The simple, private debt tracker — completely offline.

If you're juggling a few loans, credit-card installments, BNPL/paylater plans, or money owed to people, it's easy to lose track of who's owed what, and when. List Debt is the spreadsheet you'd build by hand — minus the manual upkeep and the missed due dates.

Add each debt once, with its payment schedule. See exactly what to prepare this month, what's left per lender, and when you'll be debt-free.

WHY LIST DEBT
• 📅 This month, at a glance — every payment due this month across all your debts, with the total to prepare as one clear number. Next month's plan builds itself.
• ✏️ Real amounts, real dates — every installment is editable. Months drift, amounts change; record what actually happened instead of fighting a rigid app.
• 📉 Debt payoff forecast — total remaining, progress toward zero, and your projected debt-free date. Motivating, never shaming.
• 🔔 Due date reminders — a gentle nudge the day before and the day of each payment, naming the provider and amount.
• 🗂️ Flexible schedules — flat, front-loaded, flat-with-smaller-last, or fully custom installment plans.
• 🌍 Your currency — defaults to your device's currency; change it anytime. Works the same whether you track dollars, euros, rupees, rupiah, pesos, or naira.
• 📤 Share & export — send a lender statement, a month, or a whole year to WhatsApp or email as text, a clean PDF, or a real Excel spreadsheet (numbers you can SUM, not screenshots).
• 📎 Keep the paperwork — attach the contract, a payment-plan screenshot, or a receipt PDF to each debt, so the documents live right next to the numbers. Included in your backup.

PRIVATE BY DESIGN
• 🔒 100% offline. Your debts never leave your phone. Fully usable in airplane mode.
• 🙅 No account, no sign-up, no tracking. We never ask who you are.
• 💾 One-tap backup & restore — your debts and their attached documents in a single file you control, because losing your phone shouldn't mean losing your data.

No interest or APR guesswork — you enter the real amounts, so the numbers are always yours. No bank linking, and no payday-loan ads. Just a calm, clear picture of every debt until you're debt-free.

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