Qirsh: Know What You Owe

Qirsh is a personal finance tracker for the credit cards, installment plans and loans you already have, in one ledger with your bank accounts, cash and savings. It leads with what is due next, when, and what you have left to spend. Credit cards and statements • Statements open and close with each card's billing cycle, in six states: open, closed, paid, partially paid, overdue and carried forward. • Qirsh follows the usual card rule: clear the last statement in full by its due date and new purchases carry no interest. Carry part of it and interest at the rate you entered is worked out on the average daily balance. • What you don't clear carries into the next statement, so the same debt is never counted twice. • Record payments, log a late fee your bank charged, and open a statement as a PDF. Installments and buy now, pay later • Split a card purchase into installments: your available…