# Debt Book - IOU & Loan Tracker — Who Owes Me & Payment Reminder > Offline personal loan and debt tracker with interest calculation and payment logging. (iPhone/iPad app by MD SHAHANUL HAQUE.) - Source: https://appshunter.io/ios/app/debt-book-iou-and-loan-tracker/id6771255586 (this page in markdown: same URL + `.md`) - Developer: [MD SHAHANUL HAQUE](https://appshunter.io/developer/1896775815) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 5 App Store ratings · 5 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 79 MB - Languages: American English, Arabic, Bangla, French (France), European Spanish - Released: 2026-08-14 - Data updated: 2026-10-23 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/debt-book-iou-and-loan-tracker/id6771255586/reviews.md ## What is Debt Book? Debt Book is an IOU and loan tracker for money between people: see who owes you, who you owe, and what is left after every repayment. Log money lent to friends and family, record each partial payment and send a polite payment reminder. Free to start: no account, no ads, works offline. Know who owes you Who owes me what? Each person shows what they owe you, what you owe them and the net balance. Pick people from your Contacts, then call, email or message them. Track every repayment • Log partial or full payments, or add more to a loan. • Each loan has a payment tracker: a timeline of every entry, editable. • Pay Off settles all of a person's open loans at once. • Simple or compound interest by day, week, month or year, recalculated after each payment. Get paid back without the awkward ask • Debt Book writes the payment reminder with the amount still due, in five tones: Friendly, Professional, Gentle, Firm or Short. Free. • Edit, copy or share it to Messages, WhatsApp or Mail. You send it, not the app. • Remind a contact about their whole account in one message. • Due-date debt reminders for you (Debt Book Pro): an early alert at a time you pick, one on the due day and an optional overdue nudge, with an alarm sound. Stay organized • Separate books (ledgers) for personal, family or business loans, or shop credit (khata / udhar); 2 on the free plan. • Up to 10 receipt photos per entry, with auto-crop for documents. • Search books, people and transactions, with a date filter. • Analysis shows what to collect and pay across all books, and what is overdue. • Share any loan as a PDF statement (Debt Book Pro). Private and secure • Your records (names, amounts, notes, photos) stay on your device, and in your own iCloud with Pro backup. Debt Book uses analytics and crash reports to improve the app. • PIN lock each time you leave the app, with Face ID or Touch ID (Debt Book Pro). • Back up to your own iCloud and restore on a new iPhone or iPad, or export and import a file (Debt Book Pro). iPhone and iPad Native iPad layout with a sidebar and keyboard shortcuts. English, Bengali, Spanish, Arabic or French; 13 color themes; one currency of your choice: USD, EUR, GBP, INR, BDT, JPY or SAR. Questions How do I keep track of money I lent to friends and family? Use Debt Book as a personal loan tracker: add each loan under the person's name; every repayment updates the balance. Is there an app to keep track of money people owe me? Yes. Debt Book is a simple IOU app that shows the money owed to you, person by person. Can Debt Book remind someone to pay me back? Yes. It writes the message for you to send, free; Debt Book Pro also alerts you on the due date. Does Debt Book work offline? Yes, with no account. Only purchases and iCloud backup need a connection. Is Debt Book a loan app? No. It never lends or moves money or connects to your bank. It is a personal debt tracker, not a credit-card payoff planner. Replace the notebook or spreadsheet you use to remember who owes you. Free plan and Debt Book Pro Debt Book is free to download. The free plan includes 2 books, 5 people per book and 10 transactions per person; payments and interest are unlimited on every plan. Debt Book Pro unlocks due-date reminders, PIN lock with Face ID or Touch ID, iCloud backup and restore, PDF statements, data export and import, and unlimited books, people and transactions. If Pro ends, nothing is deleted. Debt Book Pro is a monthly or yearly auto-renewing subscription, or a one-time Lifetime purchase. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period; your account is charged for renewal within 24 hours before the period ends. Manage or cancel in your App Store account settings. Privacy Policy: https://debtbooktracker.com/privacy-policy.html Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Record lend and borrow transactions - Track repayment history - Multiple ledgers (personal, business) - Interest calculator (simple/compound) - PIN lock for data security - iCloud backup and restore - JSON export ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Monthly | $1.99 | per month | | Yearly | $9.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Lifetime | $19.99 | one-time | ## Is Debt Book safe? Not enough ratings yet to assess Debt Book. ## Is Debt Book legit? Debt Book - IOU & Loan Tracker appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Debt Book is 65 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (5 of 5) All indexed reviews: https://appshunter.io/ios/app/debt-book-iou-and-loan-tracker/id6771255586/reviews.md ### 5/5 — Great App for Tracking Debts *2026-10-18* Simple, clean, and does exactly what I need. I can easily keep track of who owes me money and record repayments without any hassle. The interest calculation feature is really helpful too. Definitely worth trying! ### 5/5 — Simple and Easy to Use *2026-10-12* A really useful app for tracking money I've lent or borrowed. Clean interface, easy to manage payments, and the interest calculator is a nice bonus. Makes keeping track of debts so much easier! ### 5/5 — Amazing experience! *2026-09-07* I have been searching for this kind of app for a few years. This one full fills my need. **Developer response:** Thank you so much! It really means a lot to hear that Debt Book is the kind of app you’ve been looking for. I’ll keep improving it and adding useful features. ❤️ ### 5/5 — Overall good experience. *2026-09-07* Best for tracking personal finance expenses. **Developer response:** Thank you for the great feedback! Glad to hear Debt Book is helping you keep track of your personal finances. More improvements are coming soon! 🙌 ### 5/5 — Nice *2026-08-22* overall 100/100. best app for calculation **Developer response:** Thank you so much for the 5-star review! Really glad to hear Debt Book is helping with your calculations. Your support means a lot, and I’ll keep working to make the app even better. ❤️ ## Frequently asked questions about Debt Book ### How does Debt Book calculate interest? Debt Book allows you to set a simple or compound interest rate with daily, weekly, monthly, or yearly periods. The interest automatically recalculates when you log a payment. ### Can I use Debt Book without an internet connection? Yes, Debt Book works fully offline and does not require an account. Your data is stored locally on your device and optionally synced via iCloud. ### What are the benefits of Debt Book Pro? Debt Book Pro offers unlimited books and contacts, PDF export per transaction, iCloud backup and restore, and priority support. It can be purchased as a monthly subscription, a yearly subscription, or a lifetime one-time payment. ### How secure is my data in Debt Book? Debt Book protects your data with a 4-digit PIN lock and automatically locks when the app goes to the background. Your data is stored locally or on iCloud, not on external servers. ### What is the update frequency for Debt Book? The app was last updated on August 25, 2026, indicating active development. Users can expect ongoing improvements and bug fixes. ### What devices does Debt Book support? Currently, Debt Book supports iPhones. Future updates may expand compatibility to other Apple devices. ### How do I cancel my Debt Book Pro subscription? You can manage or cancel your auto-renewable subscriptions in your App Store account settings after purchase. Subscriptions must be canceled at least 24 hours before the end of the current period to avoid renewal charges. ### Can I export my data from Debt Book? Yes, Debt Book allows for JSON export for local backups. The Pro version also offers PDF export per transaction. ## Version history (last 5 releases) ### 1.0.31 — 2026-10-19 A fix for deleting contacts. FIXED • Deleting a contact from their page could sometimes close the app. It no longer does. • Going back after deleting a contact or a transaction is steadier too. When it happened, the contact you deleted was removed as you asked. Nothing else was lost. ### 1.0.30 — 2026-10-12 Write payment reminders your way. NEW • Pick a tone before you send a reminder: Friendly, Professional, Gentle, Firm or Short. Tap one and the message rewrites itself. The amounts stay exactly the same. • Works for a single loan and for a contact's full statement. • Your edits are kept. Switch tones, come back, and your changes are still there. • Debt Book remembers the tone you last sent. ### 1.0.29 — 2026-10-10 A fix for setting a PIN on iPad. FIXED • On iPad, the Set PIN screen hid its Set PIN button, so a new PIN could be typed but not saved. The button is now always on screen. Changing a PIN works again too. • VoiceOver now reads the name of every switch in Settings. Your existing PIN and your data were never affected. ### 1.0.28 — 2026-10-05 Debt Book is now made for iPad. NEW ON IPAD • Full screen, in any orientation, and in Split View, Slide Over and Stage Manager. • A sidebar puts Home, Search, your books, Summary, Analysis, Calendar and Settings one tap away. • See what you lent and what you borrowed side by side. Tap either to list the people behind it. • Forms and details keep a comfortable width on the big screen. • Keyboard shortcuts: ⌘N for a new transaction, ⌘F to search, ⌘, for Settings. On iPhone, everything works exactly as before. ### 1.0.27 — 2026-09-30 A fix for Debt Book closing when you delete a transaction. FIXED • Debt Book could close right after you deleted a transaction from its details screen, most often a loan with interest. Fixed. The delete had already been saved, so nothing was lost. ## Apps similar to Debt Book | App | Rating | Price | Category | | --- | --- | --- | --- | | [Owe Book: Debt & IOU Tracker](https://appshunter.io/ios/app/owe-book-debt-and-iou-tracker/id6787494250) | 4.0 (1) | Free | Finance | | [DebtTracker: IOU & Loan Log](https://appshunter.io/ios/app/debttracker-iou-and-loan-log/id6763397835) | — | Free | Finance | | [IOU – Due & Lend Tracker](https://appshunter.io/ios/app/iou-due-and-lend-tracker/id6765759698) | — | Free | Finance | | [Debt & IOU Tracker](https://appshunter.io/ios/app/debt-and-iou-tracker/id6780250116) | — | Free | Finance | | [DebtSyn: Split Bills & IOUs](https://appshunter.io/ios/app/debtsyn-split-bills-and-ious/id6792980219) | — | Free | Finance | | [Loan Manager & Debt Tracker](https://appshunter.io/ios/app/loan-manager-and-debt-tracker/id6805946509) | — | Free | Finance | ## More apps by MD SHAHANUL HAQUE - [BD Tax Calculator](https://appshunter.io/ios/app/bd-tax-calculator/id6790846339) - [Kids Safety: Parent Guide app](https://appshunter.io/ios/app/kids-safety-parent-guide-app/id6802184629) All apps by MD SHAHANUL HAQUE: https://appshunter.io/developer/1896775815 ## Related topics [hustlers loan tracker](https://appshunter.io/ios/topics/hustlers-loan-tracker) --- *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 2026-10-23.*