ペンサイ｜借金・奨学金の返済管理

Crepas Inc.

Contains ads

About this app

■ An app that visualizes how to repay debts and student loans

Pensai is a management tool that records borrowing and repayment, visualizing the path to full repayment.

No account registration or login is required. It's completely anonymous and discreet.

"How many days left until it's finished?", "How much interest is it today?", "In what order should I repay to make it the fastest?"

Seeing the numbers makes repayment much more motivating.

■ For those who:
・Want to keep track of multiple loans and debts in one place
・Want to plan their student loan (JASSO, etc.) repayments systematically
・Want to know the interest rate and estimated repayment date so they can continue without difficulty
・Want to manage their finances at their own pace without their family or others knowing

■ Main Features
・Repayment Countdown: Displays how many days are left until repayment on the home screen
・Today's Interest/Progress Track: See the current state of repayment at a glance
・Repayment Record + Streak: The more you continue, the more records you accumulate, and you'll earn achievement badges
・Repayment Plan: Optimizes the repayment order and simulates "how many years it will take to finish if you repay this much each month"
・When Things Are Tough: Estimates the "guideline" for debt consolidation, voluntary debt restructuring, and late payment penalties (includes information on where to seek advice/PR)
・HOPE (When you've finished repaying...): Use this as your guiding star to keep going
・Reminder Notifications: Gently reminds you of your repayment date (time can be changed)

■ Discreet Design
- Supports biometric authentication lock (fingerprint/facial recognition) and conceals the amount display.
- The app icon and screen have a discreet design that makes it difficult to recognize as a repayment app.

■ Privacy
- We will never ask for your name, email address, phone number, etc.
- The money information you enter is, in principle, stored only on your device.
- We may send anonymous statistical data for service improvement and "debt/repayment surveys" (you can turn this off at any time in the settings / all functions are available even when turned off).

* This app is intended for use by individuals 18 years of age or older.

* This app does not apply for or mediate loans or financing. It is a management tool that calculates and displays your repayment schedule based on the information you enter.

* The displayed calculation results are approximate. Actual billing amounts may differ depending on the contract. This app does not provide professional financial or legal advice. For specific consultations, please contact a financial institution, JASSO, a lawyer, a judicial scrivener, or a public office.

Operated by: Crepas Co., Ltd.
Privacy Policy: https://pensai.jp/policy
Terms of Service: https://pensai.jp/terms
Contact Us: https://pensai.jp/contact

What’s new

ペンサイの最初のリリースです。

・借金も奨学金も、完済までの日数と今日の利息を見える化
・返済の記録と、繰り上げ返済のシミュレーション
・登録不要・完全匿名。金額マスクと生体認証ロックつき