# Credits&Debits — Track money you own and lend,

> Track money you own and lend, (iPhone/iPad app by gangadhar goud.)

- Source: https://appshunter.io/ios/app/credits-and-debits/id6808301117 (this page in markdown: same URL + `.md`)
- Developer: [gangadhar goud](https://appshunter.io/developer/898647800)
- Category: Utilities, Lifestyle
- Price: Free
- Age rating: 4+
- Requires: iOS 26.5 · 5 MB
- Languages: American English
- Released: 2026-09-15
- Data updated: 2026-09-23

## What is 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.*

## Is Credits&Debits safe?

Not enough ratings yet to assess Credits&Debits.

## Is Credits&Debits legit?

Credits&Debits appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Credits&Debits is 75 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0 — 2026-09-16

No release notes.

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All apps by gangadhar goud: https://appshunter.io/developer/898647800

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-23.*