Rateo - BNPL Tracker
All your installments, one app
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
All your pay-later installments in one place: see what you owe, to whom and when, and get reminders before each due date. No account, no bank login.
Never miss an installment again.
Every "pay later" provider has its own app, its own calendar and its own reminders. Rateo brings them all together in one place: a clear view of what you owe, to whom, and when, including installments on credit cards and bank accounts.
Download Rateo and stop chasing due dates scattered across ten different apps.
WHAT IT DOES
- A dashboard with all your active plans, sorted by due date
- A calendar to see what is due in the coming days
- Reminders so a charge never catches you off guard
- Add a plan in seconds: provider, amount, number of installments, first due date
- Mark installments as paid and track what is left to pay
YOUR DATA STAYS YOURS
No account, no login, no cloud. All your data is stored only on your phone.
WITH RATEO PRO
- Unlimited plans (the free version includes up to 3 active plans)
- Purchase simulator: see how a new purchase changes your upcoming months before you buy
- Spending analytics by month, provider and category
- Wishlist, to evaluate a purchase before turning it into a real plan
- Data backup and JSON export
Rateo is not a loan, mortgage or investment app: it does not provide credit and does not replace your provider or your bank. It is simply the tool you were missing to keep everything under control.
SUBSCRIPTION
Rateo PRO is available as an auto-renewing annual subscription or as a one-time Lifetime purchase. Payment is charged to your Apple ID account at confirmation of purchase. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription at any time in your Apple ID account settings.
Privacy Policy: https://sites.google.com/view/rateo-bnpltracker
Terms of Use: 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.
Rateo PRO: clearer messages when a purchase fails, is pending approval, or when restoring purchases doesn't work
Rateo PRO: the screen shows the 7-day free trial only when it is available for your account
On first launch, the app now opens in your phone's language: Italian if your phone is set to Italian, English for all other languages. You can always change the language in Settings
After you mark a few installments as paid, the app may ask you to rate it
General stability improvements
The developer, Fabrizio Marinelli, 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 Linked to You
The following data may be collected and linked to your identity:
- User Content
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Fabrizio Marinelli
- Size
- 31.9 MB
- Category
- Finance
- Compatibility
Requires iOS 15.0 or later.
- iPhone
Requires iOS 15.0 or later. - iPod touch
Requires iOS 15.0 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English and Italian
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Rateo PRO Annual $19.99
- Rateo PRO Lifetime $49.99
- Copyright
- © 2026 Rateo - BNPL Tracker