Saldo - Debt Tracker & Payoff

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About this app

Saldo is a debt and loan tracker that keeps every payment, payoff, and budget organized in one place. Record what you owe, what others owe you, and important due dates without relying on memory.
💼 SIMPLE DEBT TRACKER
Add a debt with the amount, date, currency, person, and notes. Saldo works as an everyday IOU manager for money you lend or borrow, showing open balances, returned amounts, and history in a clear list. The tracker keeps debt records easy to review.
⏰ PAYMENT TRACKER & REMINDERS
Set reminders for a payment, return date, or repayment milestone. Choose when Saldo should remind you to pay or follow up with someone who owes you. It works as a practical manager for recurring obligations and a useful payoff planner without forcing a rigid routine.
🗂️ GROUPS
Organize records by people, projects, clients, family, or any structure that fits your finances. Nested groups let you build a deeper hierarchy, and you can choose which groups contribute to the overall balance. That helps when one budget includes personal expenses, shared money, and small-business activity.
📊 BUDGET STATISTICS
Review activity, interest income and expenses, and repayment history. Clear summaries help you understand how balances change over time and how each credit or loan affects your financial picture. Saldo gives you a focused tracker for everyday decisions.
💳 LOAN PLANNER & CALCULATOR
Add a loan, view its payment schedule, calculate overpayment, and plan early payoff. The built-in calculator helps you understand upcoming installments and compare timing. Keep credit obligations next to other balances, making Saldo a convenient planner when you manage more than one credit. The calculator keeps the math close to the records you already track.
🤝 SHARED DEBTS
Create a shared debt and invite another participant by link or QR code. Shared records work between Android and iOS devices. Participants can approve operations, leave comments, and receive notifications, so both sides see the same history. It is a simple IOU workflow when two people need to know who should pay and what has already been returned.
📈 INTEREST & PAYOFF DETAILS
Track interest accruals, including partial and advance repayment. This is useful when a payoff happens over several steps instead of one final transaction. Saldo keeps the calculation history visible so you can see how the balance changes after each payment and decide when to pay the next amount.
🔎 SEARCH
Search by amounts, notes, and comments to find the right record faster. When you manage many IOU entries or business records, search keeps the manager practical and reduces time spent scrolling.
📎 DOCUMENTS & ATTACHMENTS
Attach documents to personal notes and manage saved files inside the app. Keep agreements, receipts, or other supporting material next to the relevant money record instead of storing everything separately.
📄 EXCEL & PDF EXPORT
Export data for Excel and use updated PDF reports when you need a portable summary. This gives you flexibility for reviewing a budget, sharing a report, or keeping a separate archive of loan records.
☁️ BACKUPS
Backups can include attachments, be downloaded or saved to a file, and let you choose the number of cloud copies. This helps keep budget records available during normal device changes.
If you use a snowball method on your own, Saldo can support that routine without claiming to automate it. A snowball plan can be followed through balances, reminders, and history; if your snowball priorities change, the same records still stay useful. Saldo remains a planner and manager for the data itself, while you decide how your snowball strategy should work.
Choose Saldo to keep what you owe, what others owe you, IOU history, reminders, credit records, and repayment details together. Use its calculator when needed, keep your money records clear, and pay on your schedule. Install Saldo for a clear debt and loan tracker that keeps every payment, payoff, and budget easier to follow.