--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Recurring Payment Lists" developer_entity: "Cesar Ibarra" bundle_id: "net.cesaribarra.Recurring-Payment-Lists" app_store_id: "6743909628" category: "Finance" primary_platform: "ios" primary_monetization: "Freemium" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2025-09-11" report_date: "2026-08-24" last_verified: "2026-08-24T00:00:00.000Z" report_version: "1.2.5" total_reviews: 1 overall_rating: 1 confidence: "low" confidence_score: 0.2 data_age_days: 37 momentum_velocity: "zombie" intelligence_version: 3 tags: ["finance", "freemium", "mobile app", "app review", "app analysis", "individuals", "seeking", "simple,"] canonical_url: "https://marlvel.ai/apps/recurring-payment-lists" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Recurring Payment Lists Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Freemium - **Signal**: Rating 1 > **TL;DR:** Recurring Payment Lists is a finance app by Cesar Ibarra, rated 1/5 by 1 users, available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Recurring Payment Lists is a finance app by Cesar Ibarra. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 1/5 (1 review) | | **Category** | Finance | | **Developer** | Cesar Ibarra | | **Pricing** | Freemium | | **Platforms** | iOS | | **Confidence** | Low (0.2/1.0) | | **Data Age** | 37d | ## Metadata & Market Performance - **Publisher:** Cesar Ibarra - **Category:** Finance - **Target Audience:** Individuals seeking a simple, manual tool to track recurring bills and subscriptions without complex bank integration. - **Platforms:** iOS - **Version Reviewed:** 1.2.5 - **Report Date:** 2026-08-24 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.2/1.0) - **App Store ID (iOS):** 6743909628 - **Bundle ID:** net.cesaribarra.Recurring-Payment-Lists - **Performance Trend:** Declining - **Data Window:** Analysis based on signals collected up to 2026-08-24 ## Executive Snapshot **What it is:** Recurring Payment Lists is a manual bill-tracking utility for iOS that allows users to organize recurring payment schedules and receive local reminders. **Why users hire it:** The app removes the cognitive friction of manual bill tracking for users who prefer to avoid linking sensitive bank credentials to third-party services. ## App DNA (Features & Intent) - **[Standard] Recurring Payment Lists:** Create and manage payment schedules that repeat on a weekly or monthly basis. - **[Standard] Local Notifications:** Triggered reminders for specific dates and times, such as the 7th or 22nd of the month. * *User Intent:* Users want timely prompts to stay engaged without missing updates. - **[Standard] History Tracking:** Access to past payment lists within a dedicated tab. * *User Intent:* Users want visibility into their own performance and progress. ## Market Position {#market-position} Recurring Payment Lists maintains a low profile in the Finance category with a single rating and no significant chart presence. The lack of updates over the last 347 days signals a maintenance-only posture that struggles to compete with active, integrated finance solutions. ## Monetization Strategy - **Model:** Freemium - **Tiers:** Free base app, In-app purchase at $2.99 - **Analysis:** Freemium model with a $2.99 IAP, likely gating advanced features or removing limitations. ## SWOT Analysis {#swot} **Core Strengths:** - Minimalist design reduces cognitive load for manual bill tracking **Growth Levers:** - Calendar-export integration would provide utility without requiring bank-sync complexity ## Recent Changes (v2 → v3) {#recent-changes} The report reflects a shift from a neutral maintenance assessment to an urgent focus on technical debt and OS compatibility risks. This change is driven by the extended 347-day development silence. **Overall trend**: Declining **Compared at**: 2026-08-24 ### High-impact changes - **[Shifted] SWOT Analysis Refinement** (swot) ### Medium-impact changes - **[Shifted] Competitive Stance** (positioning) - **[Shifted] PM Action Item Focus** (positioning) ## What's New - **Latest (v1.2.5, 11 months ago):** Resolved a display issue regarding remaining amounts on the payment list. ## App Momentum (Zombie) {#momentum} - No major releases for 11 months. - Last store update occurred September 2025. > **Cadence:** 1 total versions · 0 majors in last 6 months · 346 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} Recurring Payment Lists is a finance app that is free with in-app purchases. It holds a 1/5 rating from 1 review. > **Bottom Line:** Recurring Payment Lists serves a narrow manual-tracking niche, but the 11-month development silence leaves it vulnerable to automated rivals. Establishing a predictable maintenance cadence would stabilize the user base while the developer evaluates the viability of adding light automation features. **Best for:** Individuals seeking a simple, manual tool to track recurring bills and subscriptions without complex bank integration. ### PM Action Plan (Next Best Moves) - [ ] [MAINTAIN] Audit current iOS compatibility because the app has been dormant for 11 months → ensure baseline stability ### Outlook: Declining The finance category is consolidating around automated, cross-platform solutions that offer real-time bank connectivity. Recurring Payment Lists remains exposed to churn because it lacks the feature velocity to compete with these integrated tools, signaling a decline in relevance for the broader market. - 🔴 The 11-month development gap indicates a lack of active investment, which erodes user trust in the app's long-term reliability for financial tracking. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 1/5 | | Total Reviews | 1 | | Confidence | Low | | Pricing Model | Freemium | | Platforms | iOS | | Key Features | 3 analyzed | | Trend | Declining | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Recurring Payment Lists** (this app) | 1/5 | N/A | Cesar Ibarra | | [Polymarket](https://marlvel.ai/apps/polymarket) | 4.2/5 | n/a | Polymarket | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.5/5 | n/a | Atlas Reality, Inc. | | [Fidelity Investments](https://marlvel.ai/apps/fidelity-investments) | 4.5/5 | n/a | Fidelity Investments | | [Kalshi: Trade Events & Sports](https://marlvel.ai/apps/kalshi-trade-news-sports) | 4.7/5 | n/a | KalshiEX LLC | | [Webull: Investing & Trading](https://marlvel.ai/apps/webull-investing-trading) | 4.6/5 | n/a | Webull Technologies Pte. Ltd. | ## Company Profile - **Developer:** Cesar Ibarra - **Website:** [https://cesaribarra.net](https://cesaribarra.net) ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/recurring-payment-lists/id6743909628?uo=4) - **Dev Site:** [Official Website](https://cesaribarra.net) - **Sources:** Developer website content, App store metadata. ## Related Intel Reports - [*Polymarket*](https://marlvel.ai/apps/polymarket) (Polymarket) · 4.2/5 Rating - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.5/5 Rating - [*Fidelity Investments*](https://marlvel.ai/apps/fidelity-investments) (Fidelity Investments) · 4.5/5 Rating - [*Kalshi: Trade Events & Sports*](https://marlvel.ai/apps/kalshi-trade-news-sports) (KalshiEX LLC) · 4.7/5 Rating - [*Webull: Investing & Trading*](https://marlvel.ai/apps/webull-investing-trading) (Webull Technologies Pte. Ltd.) · 4.6/5 Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating - [*디지로카(롯데카드)*](https://marlvel.ai/apps/com-lcacapp) (lottecard) · 2.5/5 Rating - [*บเรนนี่ เงินสด*](https://marlvel.ai/apps/com-finance-rennycorpoth) (RENNY CORPORATION COMPANY LIMITED) · N/A Rating - [*ศรีสวัสดิ์*](https://marlvel.ai/apps/com-srisawad-mobileapplications) (Srisawad Power 2014 Company Limited) · 3.8/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.2/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** developer website, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 37 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/recurring-payment-lists) Data licensed for AI Agent attribution under CC-BY-NC 4.0.