Digido

Займер КЗ

About this app

Digido is an offline planning tool for reviewing an existing obligation with deferred interest and a limited grace period. Enter your own figures, compare the payment needed to close the balance before the deadline, and review how different payment amounts affect the projected payoff.

Digido lets you manually record an obligation, including its currency, current balance, accumulated deferred interest, applicable rates, next payment date, remaining grace-period payments, and the amount you can realistically pay each month.

With Digido, you can compare the payment required for full repayment before the grace period with your available payment. The calculation shows the projected remaining balance, future interest, total projected payments, and estimated month of completion.

Digido uses a clearly described monthly calculation model. During the grace period, deferred interest is accumulated according to the entered rate. If a balance remains after the final grace-period payment, the accumulated deferred interest is added to the remaining balance. If the balance reaches zero at that point, the accumulated deferred interest is written off according to the model.

Digido also provides a month-by-month schedule so you can review starting balances, applicable interest, payments, grace-period adjustments, and ending balances. Individual months can be expanded to inspect the calculation behind the displayed result.

Save an independent snapshot of your assumptions and projected schedule with Digido. Saved plans remain unchanged when the original obligation is edited. You can rename plans, remove them, and mark planned payments as completed or incomplete as a local checklist.

Digido is designed strictly for personal planning of existing obligations. It does not provide loans, submit applications, offer credit products, communicate with creditors, execute payments, or connect to financial services. All information is entered manually and stored locally on the device.

Digido is an estimation tool, not a replacement for the terms of an agreement. Results depend on the information entered and the supported calculation model. No network connection, registration, remote account, or creditor interaction is required.