# Debt Tracker: Who Owes Me? — IOU Manager: Money Owed & Lent

> Personal debt management and payment tracking application. (iPhone/iPad app by David Serrano Canales.)

- Source: https://appshunter.io/ios/app/debt-tracker-who-owes-me/id1632402707 (this page in markdown: same URL + `.md`)
- Developer: [David Serrano Canales](https://appshunter.io/developer/1544987496)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 4.80/5 from 66 App Store ratings · 6 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.6 · 45 MB
- Languages: American English, Catalan, Dutch, French (France), German (Germany), Hindi, Indonesian, Italian, Japanese, Korean and 7 more
- Released: 2022-07-01
- Data updated: 2026-10-17
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/debt-tracker-who-owes-me/id1632402707/reviews.md

## What is Debt Tracker?

Debt Tracker is a simple IOU manager: keep track of who owes you money, what you've lent, and how much you owe. Record amounts, follow payments, and review everything in one place, without unnecessary complexity.

You can create personal debts in multiple currencies and assign them to contacts created inside the app. If you want, you can also sync those contacts with your device address book to import their name and photo, always as an optional feature. This makes it easier to keep everything organized and adapt the app to the way you already work.

Key features:

- Manage personal debts in multiple currencies
- Track every IOU, from the first amount to the last payment
- Add partial payments and record multiple payments for the same debt
- Check balances by contact and see a global balance
- Filter, search, and sort your debt history the way you prefer
- Add due dates and set reminders before each payment
- Create backups, import data, and export your information whenever you need
- Offline app, no account, and your data always under your control

> Real payment tracking and up-to-date balances:

Each debt can include multiple payments. You can add partial payments as many times as you need and always see how much has been paid and how much is still pending. When the total of all payments reaches the full amount, the debt is automatically marked as paid. Unlike a static list, it always reflects the real state of every debt.

> Two ways to review your information:

Most people start with the contacts view because it is the fastest way to review debts, answer "who owes me?", and see who you owe. You can quickly review each contact balance and the overall balance at the top of the screen.

You also get a dedicated debts tab with search, history, and advanced filters. There you can see all debts, only pending debts, only money owed to you, or only what you owe. You can also change the sorting to review recent changes, amounts, or other criteria.

> Due dates and reminders:

One of the most useful parts of the app is its due date management. You can add a due date to each debt, see how much time is left, and configure reminders in advance. That way, the app not only stores your records, but also helps you stay ahead of upcoming payments.

> Privacy, backups, and exports:

This app works with a local database. Your data never leaves your device unless you explicitly decide to take it out yourself, for example through a database export, a CSV export, a clipboard copy, and more. You can also create backups and import your information whenever you need. If you want a private offline app with no account, you stay in control at all times.

In short, Debt Tracker brings your IOUs, payments, due dates, reminders, and data export together in one place, so you always know who owes you and what you owe.

## Key features

- Record who owes you money
- Manage your own debts
- Detailed debt data (amount, currency, payments)
- Global history of paid and pending debts
- Add partial payments
- Backup and restore records

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Premium | $7.49 | per month |
| Premium | $37.99 | per year |
| Premium | $17.99 | per year |
| Premium | $11.99 | per year |
| Premium | $12.99 | per year |
| Premium | $12.99 | per year |
| Premium | $2.99 | per month |
| Premium | $3.99 | per month |
| Premium | $17.99 | per year |
| Premium | $12.99 | per year |
| Premium | $8.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Premium | $99.99 | one-time |
| Premium | $17.99 | one-time |
| Premium | $34.99 | one-time |
| Premium Lifetime | $24.99 | one-time |


## Is Debt Tracker safe?

Debt Tracker: Who Owes Me? appears safe based on user ratings. The AppsHunter Safety Score for Debt Tracker is 90 out of 100. This assessment is based on 66 user ratings, with an App Store average of 4.8 out of 5. Of 66 App Store ratings, 98.5% point to a safe experience, 0.0% suggest some concerns, and 1.5% point to a risky experience.

## Is Debt Tracker legit?

Debt Tracker: Who Owes Me? appears to be a legitimate app. The AppsHunter Legitimacy Score for Debt Tracker is 90 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (6 of 6)

All indexed reviews: https://appshunter.io/ios/app/debt-tracker-who-owes-me/id1632402707/reviews.md

### 5/5 — Great app with a dedicated developer

*2026-05-02*

I’ve been using Debt Tracker to manage my payments and it’s been a great experience.

The app is simple, intuitive and focused on what really matters. It helps you stay organized and keep full visibility on your debts without unnecessary complexity.

What also stands out is the developer’s involvement. You can tell there’s real attention to detail and a strong commitment to delivering a quality product, which is rare.

Highly recommended if you’re looking for a reliable and well-designed debt tracking app.

**Developer response:** Thank you very much for your kind review, Olivier! I put a lot of effort into making the best personal debt tracking app possible, and comments like yours really motivate me to keep improving it even further. Thank you for your support!

### 4/5 — Bisher ganz gut, aber

*2026-02-10*

Es wäre noch schön, wenn man noch einen automatisch einen Tilgungsplan erstellen könnte, dann könnte der Schuldner sehen, wann was zurück zuzahlen ist und auch den jeweiligen Rückzahlungszeitraum.

**Developer response:** Vielen Dank für die gute Bewertung! Den Vorschlag mit dem Tilgungsplan habe ich mir notiert und auf meine Liste möglicher Verbesserungen gesetzt. Vielen Dank für die Anregung!

### 5/5 — SEM PALAVRAS

*2025-04-28*

Excelente aplicativo!!! Simples e funcional

**Developer response:** Obrigado pela sua avaliação, Sem!

### 5/5 — Bom de mais

*2024-08-27*

Top

**Developer response:** Obrigado pelo seu apoio, TeusKall!

### 5/5 — App is great one thing though

*2024-01-20*

The app works fine and is simple to use one thing that can be added is a note section that can further explain the debt and have the debt concept section be the title.

**Developer response:** Hello GADSavage, thank you for your review. I'll note your feedback about adding a notes section!

### 1/5 — Fuyez

*2023-06-30*

A éviter

**Developer response:** Bonjour Fuyez, pourriez-vous nous partager les raisons qui vous font préférer ne pas utiliser cette application ? Cette application est conçue pour vous aider à gérer toutes vos dettes. Je le mets à jour mensuellement, en mettant en œuvre des corrections de bugs et des mises à jour de sécurité, ce qui représente un effort considérable. Si vous avez des commentaires ou des suggestions spécifiques, je vous invite à les partager ici.

## Frequently asked questions about Debt Tracker

### Does Debt Tracker have ads?

Yes, Debt Tracker contains advertisements. This is common for free finance applications that offer premium features through in-app purchases.

### What is the cost of Debt Tracker Premium?

Debt Tracker offers several Premium subscription plans, including monthly options starting at $2.99 and annual plans at $8.99 with a 7-day free trial.

### Can Debt Tracker help me track who owes me money?

Yes, a primary function of Debt Tracker is to allow you to record and manage all individuals who owe you money, providing a clear overview of outstanding personal loans.

### How does Debt Tracker handle debts in different currencies?

You can manage debts in multiple currencies within Debt Tracker. While you can set a default currency, you can change it as needed for individual debts, with summaries segmented by currency.

### Is Debt Tracker available on all devices?

Debt Tracker is supported on iPhone, iPad, and iPod devices, as indicated by its platform compatibility.

### How often is Debt Tracker updated?

The latest version of Debt Tracker is 1.14.2, and it was last updated on March 19, 2026, suggesting regular updates to maintain functionality and add features.

### Can I add partial payments in Debt Tracker?

Yes, Debt Tracker allows you to add and modify partial payments for any debt. The debt will remain active until the total amount is paid off, facilitating flexible payment tracking.

### What is the age rating for Debt Tracker?

Debt Tracker has an age rating of 17+, which is typical for finance applications that may involve complex financial concepts or data management.

## Version history (last 5 releases)

### 1.19.1 — 2026-10-09

This version adds the Surinamese dollar (SRD) and includes minor bug fixes for a better experience.

### 1.19.0 — 2026-10-02

This update completely revamps contacts. Now any contact can have a photo (whether imported or not), and the contact management interface has also been improved.

### 1.18.1 — 2026-08-15

This update includes minor improvements and bug fixes to provide a better experience.

### 1.18.0 — 2026-08-06

This version adds user accounts to link your purchases and prepare future account-related features.

### 1.17.5 — 2026-07-24

We fixed an issue that caused some users on older versions of the app to lose or see incorrect data when updating. Now the update happens safely, and all your information stays intact.

## Apps similar to Debt Tracker

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Who Owes Me - Payment Tracker](https://appshunter.io/ios/app/who-owes-me-payment-tracker/id1221501242) | 4.6 (803) | Free | Finance |
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## More apps by David Serrano Canales

- [Birthday Reminder & Alarm](https://appshunter.io/ios/app/birthday-reminder-and-alarm/id1549368809)
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- [OCR Text Scanner: Extract Text](https://appshunter.io/ios/app/ocr-text-scanner-extract-text/id1595622814)

All apps by David Serrano Canales: https://appshunter.io/developer/1544987496

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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 2026-10-17.*