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.

Upgrade to DebtFlow Pro for unlimited records, reminders, and PDF export

Privacy Policy: https://sites.google.com/view/debtflow-privacy-policy Terms of Use (EULA): https://sites.google.com/view/debtflow-terms