Debt Tracker: Split & IOU

Split bills, track IOUs, and settle debts with friends, roommates, and family — without an account, without ads, and without a daily limit on how many expenses you can add.

A free, open-source alternative to Splitwise that works fully offline.

WHY DEBT TRACKER

Most expense-splitting apps want your email, your contacts, an internet connection, and now a paid subscription before you can even log five expenses. Debt Tracker is the opposite: install it, open it, start tracking. Your data stays on your device. There's no Pro tier because there's nothing we hold back.

KEY FEATURES

• Track people — add anyone you share expenses with
• Log expenses — record who owes whom, with descriptions and dates
• Automatic balances — see at a glance who owes you and who you owe
• Recurring charges — set up automatic monthly bills (rent, subscriptions). First charge applies immediately, every field is editable, and a "charge now" button lets you fire an extra charge without disturbing the schedule
• Transaction history — view, edit, or delete past transactions
• Automatic backups — schedule daily, weekly, or monthly backups in the background. Stored outside the app so they survive uninstall
• Backup browser — browse and restore from your backups in-app
• Share backups — send via email, cloud storage, or messaging apps
• 12 colour themes — Paper (light), Midnight, Sage, Sunset, Indigo, Rose Gold, Forest, Ocean, plus the original Matrix, Amber, Cyberpunk, and Monochrome terminal themes

WHAT'S NEW IN 2.0

A complete redesign. New default theme (Paper — clean, modern, light), redesigned every screen for clarity, plain-English copy throughout, calmer hierarchy, bigger numbers where they matter. Same private-by-default app underneath.

HOW IT'S DIFFERENT FROM SPLITWISE

• No daily expense limit — log as many as you want
• No account required — no email, no sign-up, no contacts
• No ads — none, ever
• No Pro tier — every feature is free
• Fully offline — works on a plane, works without service
• Open source — GPL-3.0, audit the code yourself
• Local-first — your financial data never leaves your device

PRIVACY FIRST

• All data stays on your device
• No account required
• No internet connection needed
• No analytics, no tracking, no telemetry
• Your financial information is never uploaded anywhere
• No third-party SDKs

PERFECT FOR

• Splitting rent and bills with roommates
• Tracking group trip expenses
• Couples managing shared spending
• Lending money to friends and family
• Keeping tabs on shared subscriptions and recurring bills
• Anyone who wants a simple debt tracker without the bloat

OPEN SOURCE & FREE FOREVER

GPL-3.0 licensed. No premium version, no in-app purchases, no donation nags. The full source is on GitHub for anyone to inspect, fork, or contribute to.

If you've been frustrated by the Splitwise daily expense cap, the constant Pro upgrade prompts, or just want a debt tracker that respects your privacy and your time — this is the app.