Debt Ruthless

Debt Ruthless is the group expense tracker that doesn't sugarcoat. Whether you're splitting a Berlin trip, sharing a London flat, or running a birthday party — log every expense, see who owes whom, and settle up cleanly.

WHO IT'S FOR
Roommates, travel groups, families, party hosts, friends lending money. Anyone who's tired of chasing money or guessing what they're owed.

WHAT YOU CAN DO
• Create groups by type — Trip, Apartment, Party, Loan, Family — each with its own colour and category
• Add expenses with custom splits: equal, percentage, or fixed amounts per person
• Track loans separately with deadlines and partial repayments
• Multi-currency — log expenses in EUR, GBP, USD, PLN and more
• Settle debts via Venmo, Zelle, bank transfer, or any method you use — record settlements outside the app
• Group chat for coordinating who's paying for what
• Activity feed shows every change across your groups

PRIVACY-FIRST
Self-hosted backend in the EU. We don't sell your data. Receipt photos and avatars stored only as long as you keep them. GDPR-compliant by design.

NOT A PAYMENT APP
Debt Ruthless tracks balances and helps you coordinate. Actual payments happen outside the app — through your bank, Venmo, Zelle, or however you prefer.

NO MERCY. ONLY FACTS.
Money likes clear situations. So does this app.