# Debt Tracker – IOU & Loans — Track money you owe or lend > Personal loan and IOU tracker for interpersonal debts. (iPhone/iPad app by Akylbek Utekeshev.) - Source: https://appshunter.io/ios/app/debt-tracker-iou-and-loans/id6756559063 (this page in markdown: same URL + `.md`) - Developer: [Akylbek Utekeshev](https://appshunter.io/developer/1850759447) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 3.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 18.0 · 18 MB - Languages: Arabic, English, French, German, Hindi, Japanese, Portuguese, Russian, Chinese, Spanish - Released: 2026-01-06 - Data updated: 2026-06-30 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/debt-tracker-iou-and-loans/id6756559063/reviews.md ## What is Debt Tracker? Ever lent money to a friend and then forgot about it? Or felt awkward reminding someone? Small debts often disappear in notes and chats. They turn into uncomfortable conversations and lost money. Debtyy is a personal loan and IOU tracker designed for interpersonal debt tracking. Not an expense tracker or bill splitter — Debtyy focuses on who owes you and who you owe. Whether you lent money to friends or borrowed from family, keep track of every personal loan in one place. Perfect for: • Money lent to friends that hasn't been returned • Informal personal loans to family members • Tracking who borrowed money from you • Managing debts when you're the creditor or debtor • IOU tracking without awkward conversations • Loan to friends and family with clear payment history Create a debt in seconds with full details: person, amount, due date, and notes. Record partial payments with complete payment history for each loan. Set gentle reminders before, on, or after due dates — never auto-message your friends. Track bidirectional debts: see who owes you AND who you owe in one place. Always know where your money is with per-person statistics and payment history tracking. Why people choose Debtyy for personal loan tracking: • Track unlimited loans with Debtyy Pro • Partial payments & full payment history for every debt • Smart reminders (before/on/after due date) for money lent • Works offline-first — no internet needed for debt tracking • iCloud sync across iPhone, iPad, and Mac • No accounts, no ads, no tracking • Privacy-focused IOU tracker that stays on your device Unlike money tracking apps that require accounts or social features, Debtyy works completely offline. Your debt tracking records stay private on your device or in your personal iCloud. Set reminders for yourself to track loans to friends — never auto-message anyone. Your personal loan data belongs to you, not us. Use Debtyy for free with up to 3 active debts, or unlock Debtyy Pro for unlimited debt tracking, iCloud sync across devices, and detailed statistics. This is not a budget tracker, expense tracker, or receipt app. Debtyy is specifically designed for interpersonal debts and personal loans between people. If you're looking for an IOU tracker that handles money lent to friends and borrow money tracking with payment history, Debtyy is built for you. Just a clean and private way to manage your debts — without pressure or awkwardness. ## Key features - Track interpersonal debts - Record partial payments - Set custom reminders - Offline-first functionality - iCloud sync - Privacy-focused ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Monthly | $1.99 | per month | | Annually | $12.99 | per year | ## Frequently asked questions about Debt Tracker ### What is Debt Tracker – IOU & Loans? Debt Tracker – IOU & Loans is a personal finance app designed specifically for tracking money lent to friends or borrowed from family. It helps you manage IOUs and informal loans with features like payment recording and reminders. ### How much does Debt Tracker – IOU & Loans cost? The app is free to use with up to 3 active debts. For unlimited tracking, iCloud sync, and detailed statistics, you can unlock Debtyy Pro through monthly ($1.99) or annual ($12.99) subscriptions. ### Does Debt Tracker – IOU & Loans have ads? No, Debt Tracker – IOU & Loans is ad-free. The developers emphasize a privacy-focused experience without advertisements or user tracking. ### Can I use Debt Tracker – IOU & Loans offline? Yes, Debt Tracker – IOU & Loans works offline-first, meaning you can track debts and record payments without an internet connection. Data is stored locally on your device. ### What devices does Debt Tracker – IOU & Loans support? Currently, Debt Tracker – IOU & Loans is supported on iPhone. iCloud sync allows for data sharing across iPhone, iPad, and Mac devices. ### How often is Debt Tracker – IOU & Loans updated? The app was last updated on May 11, 2026, with version 1.0.8. This indicates a recent update, suggesting ongoing development and maintenance. ### What are the subscription options for Debt Tracker – IOU & Loans? Debt Tracker – IOU & Loans offers two subscription plans: a monthly subscription for $1.99 and an annual subscription for $12.99, providing access to premium features. ### Is my financial data safe with Debt Tracker – IOU & Loans? Yes, the app is privacy-focused and keeps your debt tracking records private on your device or in your personal iCloud. It does not require accounts or track your data. ## Version history (last 5 releases) ### 1.0.8 — 2026-05-11 - New: Export your debts to CSV or PDF (Pro). - Fixed: Entering large amounts no longer disables Create Debt - Fixed: "Rate in App Store" button now reliably opens the App Store review page. ### 1.0.7 — 2026-03-17 Photo Attachments Attach photos to your debts — receipts, transfer screenshots, contracts. Up to 3 photos per debt. Keep proof right where you need it. ### 1.0.6 — 2026-02-01 - Improved app stability ### 1.0.5 — 2026-01-29 - Redesigned Paywall view ### 1.0.4 — 2026-01-25 - App icon updated - Added support for alternative app icons --- *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 2026-06-30.*