Meet Qist — Track every loan, every rupee

Finance

Qist

Track every loan, every rupee

Every feature, from the first launch.

No account, no login, no cloud. Everything runs on your device and works fully offline — nothing in this post is hidden behind a wall.

What Qist does

Qist is your private, offline EMI companion built for the way South Asian and emerging-market borrowers actually live: juggling a home loan, a vehicle loan, a personal loan from a fintech app, and maybe a family member’s chit fund — all at once.

Add any loan in seconds: enter the principal, annual rate, and tenure (or type the fixed EMI directly) and Qist computes the reducing-balance schedule on-device. A clean home screen shows every loan card, the combined monthly outgo, and the next payment due. Drill into any loan for an amortization breakdown that shows exactly how much of each payment goes to principal versus interest.

Log each payment as you make it. Qist updates the outstanding balance in real time and gently reminds you before the due date each month.

• EMI calculator with reducing-balance amortization • Multiple loans — home, car, personal, gold, microfinance • Payment log with principal / interest split • Payoff progress bar and months remaining • Total monthly EMI burden across all loans • Due-date reminders, fully offline • No account, no cloud, no ads

A look inside

Tap any screenshot to open the full-resolution version.

What's inside

Loan manager — Add any loan by entering principal, annual rate, tenure in months (or a fixed EMI). Qist computes the reducing-balance EMI and stores the full amortization schedule on-device via SwiftData. Supports home, car, personal, gold, and informal loans.
Loan detail & amortization — Per-loan view showing a payoff progress bar, months remaining, total interest paid to date, and a scrollable amortization table where each row shows EMI number, principal part, interest part, and closing balance.
Payment logger — Log each EMI payment with date and amount. Qist splits the amount into principal and interest components, updates the outstanding balance, and marks the payment month as settled in the amortization view.
Insights dashboard — Aggregated view showing total monthly EMI across all loans, upcoming due dates sorted by days remaining, cumulative interest paid across the portfolio, and a simple bar chart of monthly outgo by loan for the current month.

Why we built it

Borrowers with multiple loans have no unified, offline tool to see their total monthly EMI burden, remaining balances, and upcoming due dates across lenders. Bank apps show only one lender’s loans; generic finance apps are too complex or cloud-dependent; spreadsheets are fragile. The result is missed payments, surpris…

What makes it different

Qist is the only offline-first, multi-loan EMI tracker designed explicitly for reducing-balance amortization common in South Asian lending — not a generic budgeting app. Unlike Walnut, CRED, or bank apps, it requires no account or internet connection, works for informal loans and chit funds too, and surfaces the combi…

Who it's for

Freelancers, contractors, and small-business owners who want their numbers right at tax time without renting a SaaS to do it.

In one line: Track every loan, every rupee

Try it

See the Track every loan, every rupee for the full feature list, the info table, and support links.

Use Qist, found a bug, or have a feature request? Comments are open below — anonymous is fine.