DebtFlow - Debt Tracker, IOU

DebtFlow is the simplest way to track money between people — and build toward what you're saving for.

Whether you lent a friend money for rent, owe your supplier from last month, or you're splitting a recurring bill with a flatmate — DebtFlow keeps the record so you don't have to hold it in your head.

DEBT TRACKING
— Log money you've lent or borrowed in seconds
— Track partial repayments with progress bars
— Attach payment receipts and transfer references as proof
— Get reminders before due dates
— Organise debts by category — personal, business, family

CONTACTS
— One profile per person shows your full history together
— See the net balance between you and anyone at a glance
— Add labels: Friend, Family, Business, Flatmate

RECURRING DEBTS
— Set up repeating entries for subscriptions, loan instalments, or shared bills
— New entries generate automatically on schedule
— Settle one or all at once when payments come through

SAVINGS GOALS
— Create goals for anything — a phone, a trip, an emergency fund
— Track progress with deposit history and a visual progress bar
— Get a daily, weekly, and monthly savings pace so you always know if you're on track
— Celebrate milestones at 25%, 50%, 75%, and 100%
— Export your savings history as CSV

DESIGNED FOR REAL LIFE
— Works in any currency
— Dark and light mode
— PIN lock for privacy
— Fast, offline-first — no account required

DebtFlow works for anyone managing money between people — freelancers, small business owners, students splitting bills, or anyone who wants to stop keeping IOUs in their notes app.

Download free. No ads.