Credits&Debits

Credits & Debits Know who owes you. Know who you owe. Credits & Debits is a simple personal money ledger designed to help you keep track of money you lend to others and money you owe to others. No complicated budgeting. No unnecessary financial tools. Just a clear way to keep track of your personal loans, borrowed money, payments, and outstanding balances. Track Money You Lend & Borrow Keep a record of every amount you lend or borrow. • Track money others owe you • Track money you owe others • Add multiple transactions for the same person • See your outstanding balance at a glance • Keep a complete transaction history Optional Interest Some amounts may include interest, while others may not. Enable interest only when needed and add an annual interest rate to your transaction. Credits & Debits calculates simple interest based on the actual number of days and gives you a clear view of: • Principal amount • Interest amount • Total amount due • Remaining balance Record Partial Payments Money is not always paid back in full. Record partial payments and let the app keep track of the remaining amount. For example: ₹10,000 lent ₹2,000 paid ₹8,000 remaining Every payment is recorded so you always know what is still outstanding. Due Dates Add a due date to your transactions so you can easily see when money needs to be received or paid. See Your Complete Position The dashboard gives you a simple overview: Money Owed to Me How much others need to pay you. Money I Owe How much you need to pay others. Net Position The difference between the two. Track People Easily Keep a separate record for each person and see all transactions associated with them in one place. Whether it is a friend, family member, colleague, or business contact, you can keep their money records organized. Simple, Private & Easy to Use Credits & Debits is designed for personal use and keeps your financial records organized without unnecessary complexity. Your records are stored locally on your device using Apple's SwiftData technology. Perfect for • Personal loans • Friends and family • Money lent to colleagues • Borrowed money • Shared expenses • Small informal loans • Tracking repayments Credits & Debits *Keep track of who owes you and who you owe.*