PayStep - AI HomeLoan Planner
AI Budget & Cash Flow Planner
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
PayStep – Your Smart Financial Assistant for Real Estate Projects & Personal Cash Flow
Are you buying a home on an installment plan and tired of complex Excel sheets? Struggling to balance your cash flow for the next payment milestone? Or looking to manage your personal loans and lending portfolios efficiently? PayStep is designed to simplify your entire financial journey.
1. SMART REAL ESTATE & PROJECT MANAGEMENT
Never lose track of your assets and expenses. PayStep helps you:
Track Installment Milestones: Monitor detailed project payment milestones according to your contracts.
Granular Sub-projects: Easily split large payment periods into smaller, detailed allocation lists (e.g., Furniture, Materials, Labor) to manage every dollar.
Track Additional Costs: Record external expenses (taxes, broker fees, maintenance, renovations) to get an accurate calculation of your actual total investment.
2. ADVANCED AI ASSISTANT (Powered by Gemini)
Let AI do the heavy lifting for your financial planning:
Instant Invoice & Receipt Scan: Snap or upload an invoice of products/expenses, and our AI will automatically extract and create payment items in seconds.
AI Budget Consultation: Get smart, customized breakdown suggestions and costs saving advice from AI based on your remaining budget.
3. SAVINGS & CASH FLOW PLANNING
Know exactly how much you need, when you need it, and how to reach it:
Targeted Savings Plans: Create automated savings plans linked directly to your upcoming payment milestones.
Diverse Funding Sources: Log and monitor funds from multiple channels (personal income, bank loans, family contributions).
Solvency Monitoring: Track your actual financial health in real time to stay proactive before any due date.
4. DEBT & LENDING PORTFOLIO MANAGEMENT
Manage what you owe and what is owed to you in one place:
Borrowing Management: Track detailed bank loans or personal debts linked to your projects. Supports Reducing Balance and Fixed Rate calculations with clear monthly amortization tables.
Lending Management: Monitor your personal loan-out portfolios. Easily track interest, repayments, and outstanding balances from borrowers.
5. INTUITIVE REPORTING & STATISTICS
Visualize your financial data instantly:
Visual Breakdown Charts: Interactive donut charts showing expense distributions across categories.
Comprehensive Cash Flow Reports: Quick-scan overviews of total budgets, total paid, upcoming payments, and current debt ratios directly on your dashboard.
Smart Budget Warnings: Live banners alert you when sub-project spending exceeds the allocated period budget.
6. SEAMLESS & PERSONALIZED EXPERIENCE
Multilingual: Full support for English and Vietnamese.
Eye-Friendly Design: Premium interfaces with smooth Light and Dark modes.
Multi-currency: Supports various currencies based on your local needs.
Offline First & Secure: Your data is priority-secured, stored locally, and operates seamlessly offline.
7. SMART EXPENSE LEDGER
Simplify your monthly spending and budget management:
Track balances, transactions, and category spending limits.
Scan receipts and receive AI-powered budget suggestions.
Set recurring expenses, quick-add templates, and transfer funds between wallets.
Monitor balances, scan, and add expenses quickly from the widget.
NEXT. UNDER DEVELOPMENT (COMING SOON):
Rental Property Management: Track recurring rental incomes, tenant payment histories, and vacancies.
Cross-platform Sync: Access your accounts seamlessly across Mobile and Web browsers.
Download PayStep today to manage your real estate and personal finances in the smartest, most organized, and most secure way!
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Update UI and fix some issues
Introducing Smart Expense Ledger for monthly income, spending, and budget management.
Scan receipts and receive AI-powered budget allocation suggestions.
Add a Home Screen widget to monitor balances and record expenses quickly.
Transfer funds between expense ledgers, projects, and loans.
The developer, Long Truong Thanh, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Long Truong Thanh
- Size
- 24.6 MB
- Category
- Finance
- Compatibility
Requires iOS 13.0 or later.
- iPhone
Requires iOS 13.0 or later. - iPad
Requires iPadOS 13.0 or later. - iPod touch
Requires iOS 13.0 or later. - Mac
Requires macOS 11.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English and Vietnamese
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Founder's Edition (Annual) $5.99
- Entrepreneur Pack (Lifetime) $19.99
- Copyright
- © 2026 MQViTech