RateoEvery pay later plan. One calendar.
Klarna, PayPal, Afterpay, Amazon, Scalapay… Rateo puts all your buy now pay later installments in one place, so you always know what's due, to whom, and when.
- No account
- No bank login
- Free for up to 3 plans
Available for iPhone and Android
A bill tracker built for installments
Dashboard
All your active pay-in-4 and installment plans, sorted by due date. Credit card and bank account payments included.
Monthly bill calendar
See every due date of the month at a glance and know what's about to be charged.
Payment reminders
A notification before each charge, so a payment never catches you off guard.
Add a plan in seconds
Provider, amount, number of installments, first due date. Done.
Track what's left
Mark installments as paid and always see how much is still open.
Your data stays yours
No account and no login. Your plan data stays on your phone.
How it works
Add your plans
Enter provider, amount, number of installments and the first due date.
See everything in one place
Dashboard and monthly calendar show what's due and when.
Get reminded
A notification before each payment, so nothing slips.
See it in action
Free to start. Pro when you need more.
The free version includes up to 3 active plans. Rateo Pro unlocks:
Unlimited plans
Track as many installment plans as you have.
Purchase simulator
Before you buy now, pay later, see how a new purchase changes your next months.
Spending analysis
By month, provider and category.
Wishlist
Evaluate a purchase before turning it into a real plan.
Calendar sync & Home widget
Due dates in your phone's calendar and on your Home screen.
Backup & export
Save your data as a JSON file.
Rateo Pro is available as an annual subscription or a one-time lifetime purchase. Prices are shown in your store and may vary by country.
Frequently asked questions
What is Rateo?
Rateo is a bill tracker for buy now pay later (BNPL) and installment plans. It brings plans from different providers into one dashboard and one monthly calendar, with reminders before each due date.
Is Rateo free?
Yes. The free version includes up to 3 active plans. Rateo Pro removes the limit and adds the purchase simulator, spending analysis, wishlist, calendar sync with a Home widget, and backup/export.
Do I need an account or to connect my bank?
No. There is no account, no login and no bank connection. You enter your plans yourself, and the data of your plans stays on your phone.
Which providers can I track?
You can choose from PayPal, Klarna, Afterpay, Amazon, Scalapay, Shop Pay, Clearpay, Affirm, Alma and Zip, and mark whether you pay by credit card or bank account.
Does Rateo lend money or pay my installments?
No. Rateo is not a loan, mortgage or investment app: it doesn't provide credit and doesn't replace your BNPL provider or your bank. It is a tool to keep track of what you owe and when.
Is Rateo affiliated with Klarna, Afterpay, PayPal or the other providers?
No. Provider names are used only to describe what you can track. Rateo is not affiliated with them.
Which platforms and languages are supported?
iPhone (App Store) and Android (Google Play). The app is available in English, Italian, German and Spanish.
Stop chasing due dates across ten apps.
Download Rateo and see all your installments in one place.