Never forget borrowed or lent money again. Balancio is a clean, calm, and private personal debt tracker built to bring clarity to your day-to-day finances.

Whether you lent cash to a friend, borrowed money for a group dinner, or need to track ongoing shared expenses, Balancio gives you an instant and peaceful overview of who owes you and who you owe.

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CORE FEATURES AND CAPABILITIES
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TRACK RECEIVABLES AND PAYABLES
Log money owed to you as receivables and money you owe others as payables in seconds. Keep track of contact names, amounts, due dates, categories, and custom notes.

CLEAR NET POSITION DASHBOARD
See your overall financial balance at a single glance. Understand whether you are ahead or behind with intuitive visual balance cards.

DETAILED CONTACT LEDGERS AND PARTIAL REPAYMENTS
Keep an organized history for every friend, colleague, or family member. Record partial payments as they happen and settle balances with one tap.

SMART DUE DATE REMINDERS
Set gentle reminder alerts for upcoming and overdue repayments so you never miss a settlement or feel awkward following up.

VISUAL SAVINGS GOALS
Stay motivated by setting targets for your milestones, whether it is a vehicle, dream vacation, home project, or emergency fund.

PRIVATE AND OFFLINE FIRST
Your financial data belongs strictly to you. Balancio stores everything locally on your device in a secure database. No mandatory accounts, no cloud sync, and no tracking.

BACKUP AND CSV EXPORT
Easily export your transactions to CSV or create automatic weekly local backups so your records remain safe and portable.

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WHY CHOOSE BALANCIO?
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ZERO ANXIETY DESIGN
Crafted with warm neutral tones to make managing debt feel calm rather than stressful.

FAST AND LIGHTWEIGHT
Opens instantly with no internet connection required.

PERFECT FOR
Roommates splitting expenses, informal IOUs between friends, freelance invoice follow-ups, and personal debt tracking.

Take control of your personal money memory today with Balancio: Debt & IOU Tracker.