💰 UTANG BELLS: Debt Tracker – Personal Debt, Lending & Expense Tracker
The simplest way to track money in and money out.

Never lose track of money again. Utang Bells is the most personal, private, and powerful way to manage everything you owe, everyone who owes you, and every peso you spend — all offline, no account required, completely free.
Whether you lent money to a friend, borrowed from family, need to remember when your next bill is due, or simply want to know where your money goes every month — Utang Bells keeps it all in one place.

📋 DEBT & LENDING TRACKER

Log money you owe or money others owe you in seconds
Track payment status: Pending, Partial, or Paid
Add notes, due dates, interest rates, and categories per entry
Update balances anytime as payments are made
Swipe to delete with confirmation — no accidental removals

🧾 BILLS & EXPENSE TRACKER

Log and monitor recurring bills — rent, electricity, water, internet, subscriptions
Track daily and monthly expenses across custom categories
Get a clear breakdown of exactly where your money is going
Never miss a payment with smart due date reminders
View debts, bills, and expenses together for a complete financial picture

🏠 POWERFUL HOME DASHBOARD

Summary cards for Total Debt, Total Lent, Bills, and Expenses
Financial Health Score — know exactly where you stand at a glance
Visual trend charts to spot patterns over time
Quick search and category filters for instant record lookup
Clean, minimal design built for daily use

📊 TRANSACTION HISTORY & INSIGHTS

Full transactions feed across all records
Monthly view with navigation and monthly totals
Per-entry transaction history — every payment, always recorded
Outstanding Balances — aggregated amounts per person so you always know who owes what
Heatmap view to visualize your payment activity over time
Expense breakdown by category and time period

📤 SHARE YOUR PROGRESS & INSPIRE OTHERS

Generate a beautifully designed Share Progress Card
Shows your debt health status, total paid vs. remaining, and milestone badges
Motivational reminders to celebrate every step forward
Share on Instagram, Facebook, Viber, or anywhere you like
Branded with Utang Bells — inspire others to take control too

🔔 SMART REMINDERS & NOTIFICATIONS

Due date reminders for upcoming debts and bills
Daily expense tracking nudges so nothing slips through
Fully customizable — enable only what you need

💾 OFFLINE FIRST. YOUR DATA STAYS YOURS.

Works fully offline — no internet, no account, no cloud required
All data stored securely on your device using local database
Create and restore .db backup snapshots anytime
Export backups to Google Drive, email, or any storage you trust
Auto-backup keeps your records safe in the background

⚙️ BUILT FOR EVERYONE

Language support: English, Tagalog, Taglish
Flexible currency settings for any country
Avatar picker with local and auto-generated options
Organize records by category — family, friends, business, and more
Fast, lightweight, and battery-friendly

✅ WHY UTANG BELLS?
Feature Utang Bells
100% Offline ✅
No account needed ✅
Debt & lending tracker ✅
Bills & expense tracker ✅
Interest rate tracking ✅
Financial health score ✅
Transaction history & heatmap ✅
Local backup & restore ✅
Share progress card ✅
Completely free ✅

📲 PERFECT FOR:
Individuals tracking personal loans • People who lend money to friends and family • Freelancers managing client payments • Small business owners tracking receivables • OFW families managing remittances • Renters tracking monthly bills • Anyone building smarter money habits

"Small steps. Real progress. Every peso counts." 🔔
Download Utang Bells — and take control of your money today.