DebtNote: Who Owes Me Tracker

Stop wondering "who owes me money?" or dealing with awkward financial conversations.

DebtNote is the ultimate offline debt tracker, personal ledger, and IOU manager designed to give you total clarity over your personal loans. Whether you are lending cash to friends, tracking money you borrowed from family, managing micro-loans, or keeping tabs on small business clients, DebtNote replaces messy paperwork with a clean digital ledger.

🎯 PURE PERSONAL DEBT TRACKING
• Who Owes Me: Keep an exact record of money you lend out (Credits).
• Who I Owe: Track your own active debts so you never miss a repayment (Debts).
• Casual IOUs: Quickly log informal "I owe you" moments between friends or coworkers.
• Personal Loans: Monitor structured cash loans with options for simple tracking.

✨ SMART FEATURES FOR ZERO-EFFORT LEDGERING

📊 Clear Net Balance Dashboard
See exactly where you stand financially in one glance. The main screen aggregates your total "lent" vs. "borrowed" funds, showing your net balance so you know if you are in the red or in the green. Filter transaction histories by person, category, or status.

👤 Fast Contact Integration
No need to manually type out everyone's details. Seamlessly link entries to your existing phone contacts to instantly assign a name and profile picture to a debt.

💰 Flexible Repayments & Logs
• Partial Payments: Track debts that are paid back in stages. The app automatically recalculates the remaining balance.
• Photo Attachments: Snap and save receipts, written agreements, or payment confirmations directly to any transaction log.
• History Log: A transparent audit trail of every partial payment or adjustment made over time.

🔔 Overdue Alerts & Easy Reminders
Avoid awkward text draftings. Set due dates for any loan and receive automatic alerts when a payment is overdue. You can easily generate a clear summary statement to share with the borrower.

🔒 100% Private, Secure & Offline First
Your financial data belongs to you—not a cloud server. DebtNote operates entirely offline, meaning no accounts to create, no data leaks, and no internet required.
• Biometric Lock: Protect your private ledger from curious eyes using Face Unlock, Fingerprint, or a secure PIN.
• Local Export: Back up your data locally or export your ledger into clean PDF, CSV, or Excel formats for your personal archives.

Stop relying on memory or easily lost paper sticky notes. Download DebtNote today to take control of your personal cash flow with complete privacy!