Debt Tracker makes it easy to track money you owe and money others owe you. Keep personal debts, IOUs, loans, borrowings and payments organized in one simple debt manager.
Whether you lend money to friends or family, split expenses with roommates, manage informal loans, or track customer credit, Debt Tracker gives you a clear record of who owes whom.
Whether you call it a debt tracker, IOU ledger, debt book, credit book, khata, udhar diary or loan ledger, everything stays organized in one place and protected on your device.
⚡ TRACK DEBTS EASILY
• Separate "I Owe" and "Owes Me" so you always know your position
• Track money you have lent and borrowed
• Group debts by person and view your complete history
• Add amount, note and date in seconds
• Search and filter your debt history
• Edit or settle any debt
• Pin frequently used people to the top
• See summary cards showing what you owe and what others owe you
🔔 DUE DATES & REMINDERS
Never forget when money should be returned.
• Add a return date to any debt or IOU
• Get a reminder before the return date
• Receive a check-in on the due date
• Send a polite reminder through WhatsApp or SMS in one tap
Whether you're waiting for someone to repay you or need to remember what you owe, reminders help you stay on top of upcoming payments.
👥 KNOW WHO OWES YOU
Debt Tracker organizes records by person, making it easy to answer:
• Who owes me money?
• How much do I owe?
• When should the money be returned?
• What is my history with this person?
• Which debts are still unsettled?
Open a person's history to see your debts and IOUs with them in one place.
💰 IOU & PERSONAL LOAN TRACKER
Use Debt Tracker for everyday money such as:
• Money lent to friends and family
• Money you've borrowed
• Personal IOUs and informal loans
• Shared expenses
• Rent and roommate costs
• Trips and group expenses
• Customer credit
• Small business udhar or khata records
Instead of searching WhatsApp conversations, notes or scraps of paper, keep a clear debt history on your phone.
🌍 100+ CURRENCIES
Track debts in the currencies you use.
• Support for 100+ currencies
• Correct currency formatting
• Currency selected automatically for your region
• Change your preferred currency anytime
🔒 YOUR DATA, YOUR PHONE
Your financial records are personal. Debt Tracker keeps you in control.
• Ledger stored locally on your device
• No account required
• Fingerprint and face unlock
• Optional Google Drive backup
• Backup stays off until you enable it
• The backup feature only accesses the backup file created by the app
📴 WORKS OFFLINE
Debt Tracker works without an internet connection. Add debts, review your history, search records and check who owes you wherever you are.
📎 PHOTOS & RECEIPTS
Attach a photo or receipt to an entry and add notes to remember why money was borrowed or lent.
✨ SIMPLE & FAST
Debt tracking shouldn't feel like accounting software.
Debt Tracker is designed for everyday use with:
• Clean, modern interface
• Fast debt entry
• Simple navigation
• Quick balance summaries
• Search and filtering
• Person-based debt history
• Small app size without unnecessary bloat
🎯 MADE FOR REAL-LIFE DEBTS
Use Debt Tracker when you lend money to a friend, borrow from family, split costs with roommates, manage trip expenses, record informal loans or keep customer credit records.
No complicated budgeting system. No unnecessary financial tools.
Just a practical debt tracker for keeping debts, IOUs, due dates and money owed organized.
Stop relying on memory, messages and scraps of paper. Use Debt Tracker and always know who owes you money and what you owe.
Debt Tracker shows ads to help keep the app free. Privacy Policy and Terms are available from the store listing and inside the app under Settings.