Debt Tracker: Split Bills

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

• Groups — keep a shared tab for trips, housemates, and teams
• Flexible splits — equal, exact amounts, percentages, shares, or itemized; multiple people can pay
• Fewest-payments settle-up — clear a whole group's balances in the smallest number of payments
• Activity feed — a plain-English timeline of everything that's happened
• Search & monthly totals — find any expense fast, or step back and see where the month went
• Track people — one-to-one IOUs with automatic balances, who owes whom at a glance
• Recurring charges — automatic monthly bills (rent, subscriptions), every field editable
• Automatic backups — daily, weekly, or monthly, stored outside the app so they survive uninstall, with an in-app backup browser and restore
• 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 3.0

Groups, splits, and a whole new flow. A four-tab layout (Home, Groups, Activity, Settings) cuts the taps to get anywhere; shared expenses split any way you like with multiple payers; one tap settles a group in the fewest payments; and an activity feed, search, and monthly totals make sense of it all. Upgrading from 2.0 keeps your data, theme, and backups exactly where you left them.

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.