# Debt Manager: Debt Tracker — Track IOUs & get paid back > Track IOUs & get paid back (iPhone/iPad app by Ifeanyi Ibekie.) - Source: https://appshunter.io/ios/app/debt-manager-debt-tracker/id6444405614 (this page in markdown: same URL + `.md`) - Developer: [Ifeanyi Ibekie](https://appshunter.io/developer/1654477297) - Category: Finance, Lifestyle - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 15.6 · 74 MB - Languages: American English - Released: 2022-11-16 - Data updated: 2026-08-29 - User reviews in markdown: https://appshunter.io/ios/app/debt-manager-debt-tracker/id6444405614/reviews.md ## What is Debt Manager? Get paid back faster. Debt Manager turns “I’ll pay you later” into money back in your pocket. Track every IOU, loan and unpaid invoice in one place — then let AI handle the awkward part for you. WHAT YOU CAN DO • Keep two ledgers side by side — what you’re owed, and what you owe • Snap a receipt, paste a bank alert, or say it out loud, and AI fills in the entry • Log part-payments and instalment plans; balances update themselves as money comes in • Let AI draft the reminder — casual, professional, or firm — then send it by WhatsApp, SMS, or anywhere else • Check how someone has paid you in the past, before you lend again • Split a bill across any number of people; everyone gets their own record and balance • Keep business and personal in separate books, each with its own balances, charts and currency • Send branded invoices, receipts and customer statements as proper PDFs • Stay ahead with a due calendar, overdue aging, and reminders that escalate as the date approaches • Attach photos, PDFs and documents to any record • 119 currencies, detected automatically from your region • Lock the app behind Face ID or Touch ID FREE, WITH NO LIMITS Unlimited debts, debtors and people. Search, filters, categories, attachments, due-date reminders, bill splitting, contact import, multi-currency and biometric lock — all free, no trial required. Plus three AI Smart Captures to try. DEBT MANAGER PRO Upgrade when you want the tools that actually get money moving: • Unlimited AI Smart Capture — receipts, bank alerts and voice • AI-drafted reminders in three tones • Partial payments, instalment plans and recurring schedules • Escalating auto-reminders before and after the due date • Separate business and personal books • Branded invoices, receipts and statements • Payment-history scoring, so you know who pays late • Insights: collection trends, overdue aging, top accounts, recovery projections • Due calendar and monthly collection goals • Custom tags and filtering • CSV export of debts, debtors and payment history • Priority support — your feedback and feature requests jump the queue • No ads WHO IT’S FOR Anyone who lends money to friends and family and would rather not have the awkward conversation. Freelancers and small businesses chasing unpaid invoices. Anyone who splits bills and is tired of doing the maths. SUBSCRIPTION TERMS Debt Manager Pro is available as a monthly or annual auto-renewing subscription. US pricing is $1.99/month or $14.99/year, with a 7-day free trial on the annual plan; prices in other regions are shown in the app. Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours of the end of that period. You can manage or cancel your subscription in your Apple Account settings after purchase. Any unused portion of a free trial is forfeited when you buy a subscription. Privacy Policy: https://www.freeprivacypolicy.com/live/0d859161-9022-4545-a032-ef16777ad7a0 Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Pro Monthly | $1.99 | per month | | Pro Annual | $14.99 | per year | ## Version history (last 5 releases) ### 1.0.31 — 2026-08-27 Debt Manager just got a lot better at getting you paid. • AI Smart Capture — scan a receipt, paste a bank alert, or dictate a transaction, and the entry fills itself in • AI reminder drafts in three tones, ready to send by WhatsApp or SMS • Partial payments and instalment plans, with balances that update themselves • Separate business and personal books, each with their own currency and branding • Branded invoices, receipts and customer statements • Payment-history scoring so you can see who pays late before you lend • Due calendar, overdue aging and monthly collection goals • Contact sync and a tidy-up tool that attaches loose records to the right person Plus a refreshed look, and the usual round of fixes and speed-ups. ### 1.0.26 — 2026-08-10 Debt Manager just got a lot better at getting you paid. • AI Smart Capture — scan a receipt, paste a bank alert, or dictate a transaction, and the entry fills itself in • AI reminder drafts in three tones, ready to send by WhatsApp or SMS • Partial payments and instalment plans, with balances that update themselves • Separate business and personal books, each with their own currency and branding • Branded invoices, receipts and customer statements • Payment-history scoring so you can see who pays late before you lend • Due calendar, overdue aging and monthly collection goals • Contact sync and a tidy-up tool that attaches loose records to the right person Plus a refreshed look, and the usual round of fixes and speed-ups. ### 1.0.25 — 2026-08-05 Debt Manager just got a lot better at getting you paid. • AI Smart Capture — scan a receipt, paste a bank alert, or dictate a transaction, and the entry fills itself in • AI reminder drafts in three tones, ready to send by WhatsApp or SMS • Partial payments and instalment plans, with balances that update themselves • Separate business and personal books, each with their own currency and branding • Branded invoices, receipts and customer statements • Payment-history scoring so you can see who pays late before you lend • Due calendar, overdue aging and monthly collection goals • Contact sync and a tidy-up tool that attaches loose records to the right person Plus a refreshed look, and the usual round of fixes and speed-ups. ### 1.0.24 — 2026-07-28 Minor updates and bug fixes ### 1.0.23 — 2026-06-26 Minor bug optimizations and fixes to improve quality of service ## Apps similar to Debt Manager | App | Rating | Price | Category | | --- | --- | --- | --- | | [My Debt Manager & Tracker](https://appshunter.io/ios/app/my-debt-manager-and-tracker/id6444747466) | 5.0 (5) | Free | Finance | | [PayMeLater Friend Debt Tracker](https://appshunter.io/ios/app/paymelater-friend-debt-tracker/id1108119997) | 4.7 (67) | Free | Finance | | [EzDebt Book - Debt Manager](https://appshunter.io/ios/app/ezdebt-book-debt-manager/id1526283952) | 4.3 (10) | Free | Finance | | [Stack - Simple Debt Manager](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951) | 4.3 (6) | Free | Finance | | [Debt Tracker Master](https://appshunter.io/ios/app/debt-tracker-master/id6473278027) | 3.7 (3) | Free | Finance | | [Debt Tracker - Debts](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142) | 4.4 (105) | Free | Finance | ## Related topics [debt manager](https://appshunter.io/ios/topics/debt-manager) · [free debt tracker](https://appshunter.io/ios/topics/free-debt-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 2026-08-29.*