# DebtTracker: IOU & Money Owed — Who Owes Me? Lend & Borrow

> Private ledger for tracking personal loans, IOUs, and repayments. (iPhone/iPad app by Osman Dogan.)

- Source: https://appshunter.io/ios/app/debttracker-iou-and-money-owed/id6763397835 (this page in markdown: same URL + `.md`)
- Developer: [Osman Dogan](https://appshunter.io/developer/1778067257)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.2 · 16 MB
- Languages: American English, Arabic, Azerbaijani, Bulgarian, Catalan, Croatian, Czech, Danish, Dutch, Filipino and 27 more
- Released: 2026-08-12
- Data updated: 2026-10-31
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/debttracker-iou-and-money-owed/id6763397835/reviews.md

## What is DebtTracker?

Who owes you money — and who do you owe? DebtTracker keeps every IOU, personal loan and repayment in one private ledger. No account. No subscription. No ads.

Lent a friend cash for concert tickets? Borrowed from family to cover rent? Log it in seconds, record partial payments as they come in, and get a reminder before the due date. When it's paid off, settle it with one tap.

WHAT YOU CAN DO
• Track money you lent and money you borrowed, person by person
• See each person's net balance at a glance
• Record partial payments and installments
• Edit any entry, any time
• Set due dates and get reminder notifications
• Send a payment reminder in a friendly, polite or firm tone via Messages, WhatsApp or any app
• Settle in full with one tap, then share a "Paid in full" receipt image
• Attach receipt photos to a record
• Swipe actions and recent-people quick picks for fast entry

YOUR DATA STAYS YOURS
• No account, no sign-up
• Your records stay on your iPhone
• Face ID lock
• Full backup & restore to a file in Files or iCloud Drive — free for everyone, so a new phone never means lost records
• CSV export

FREE
• Up to 5 open records
• Partial payments, due-date reminders and reminder messages
• Backup & restore, CSV export, Face ID and dark mode

PRO — ONE-TIME PURCHASE
• Unlimited records
• Analytics studio: cash flow, 12-month balance history, collection rate, categories and overdue aging
• Payoff planner built around your monthly budget
• PDF and image statements for each person
• 6 custom app icons
• All future PRO features included

Try PRO free for 7 days. Then pay once and it's yours — no subscription, no renewals.

GREAT FOR
• Friends who lend each other money
• Roommates splitting rent and bills
• Family loans and advances
• Anyone who wants a simple, private IOU book

Download DebtTracker and always know where every loan stands.

## Key features

- Track lent and borrowed money
- Record partial payments
- Set due dates and get reminders
- Send payment reminders
- Settle in full with one tap
- Private ledger with no account
- Backup and restore functionality

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| DebtTracker Pro – Lifetime | $9.99 | one-time |


## Is DebtTracker safe?

Not enough ratings yet to assess DebtTracker.

## Is DebtTracker legit?

DebtTracker: IOU & Money Owed appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for DebtTracker is 65 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/debttracker-iou-and-money-owed/id6763397835/reviews.md

### 5/5 — Excellent App for Money Management

*2026-10-05*

One of the best apps for tracking personal loans and money owed. Very simple to use, well designed, and keeps everything organized. No more confusion about who owes me or whom I owe. Highly recommended!

## Frequently asked questions about DebtTracker

### How does DebtTracker handle security?

DebtTracker prioritizes your privacy by not requiring an account or sign-up. Your records are stored locally on your iPhone and can be secured with Face ID lock. The app also offers full backup and restore functionality to Files or iCloud Drive for added security.

### What are the limitations of the free version of DebtTracker?

The free version of DebtTracker allows for up to 5 open records. It includes essential features like logging partial payments, setting due-date reminders, sending reminder messages, and backup/restore capabilities.

### What features are included in the PRO version of DebtTracker?

The PRO version of DebtTracker offers unlimited records and advanced features such as an analytics studio for cash flow and balance history, a payoff planner, and the ability to generate PDF and image statements for each person. It also includes custom app icons.

### Does DebtTracker have ads?

No, DebtTracker explicitly states that it has no ads. The app is designed to provide a clean and uninterrupted user experience for managing your financial IOUs.

### How often is DebtTracker updated?

The latest version of DebtTracker is 2.1, which was last updated on October 13, 2026. While specific update frequency isn't detailed, this indicates active development and support for the application.

### Can I export my data from DebtTracker?

Yes, DebtTracker supports data export. You can export your records in CSV format, and the PRO version also allows for PDF and image statements for each person, facilitating easy sharing and record-keeping.

### What devices does DebtTracker support?

DebtTracker is available for iOS devices, specifically supporting iPhone and iPad. It is rated for ages 4 and up, making it accessible for a wide range of users.

### How does the PRO trial work in DebtTracker?

DebtTracker offers a 7-day free trial for its PRO features. After the trial period, you can choose to purchase the PRO version as a one-time payment, which unlocks all features without any recurring subscription or renewals.

## Version history (last 5 releases)

### 2.1 — 2026-10-13

Minor refinements and stability improvements.

### 2.0 — 2026-10-04

DebtTracker 2.0 — the biggest update yet.

• All-new design: a calm aurora theme with smooth animations throughout.
• Settle-up celebration: mark a debt as paid and get confetti plus a shareable "Paid in full" receipt image.
• Reminder messages: nudge someone in a friendly, polite or firm tone and send it via Messages, WhatsApp or any app.
• Faster entry: one-tap "settle in full", swipe actions and quick picks for the people you use most.
• Backup & restore: save everything to a file in Files or iCloud Drive and bring it back on any iPhone. Free for everyone.
• PRO (one-time purchase): analytics studio, payoff planner, PDF and image statements per person, and 6 custom app icons.

Thanks for using DebtTracker. If it helps you, a rating on the App Store means a lot.

### 1.2 — 2026-09-09

DebtTracker now speaks 38 languages.

• 31 new languages, including Japanese, Korean, Chinese (Simplified & Traditional), Arabic, Hebrew, Hindi, Portuguese, Dutch, Polish, Swedish, Thai and Vietnamese.
• Right-to-left layout support for Arabic and Hebrew.
• Dates and numbers now follow your device's region everywhere in the app.
• A new language shortcut in Settings.
• Fixed a status label that stayed untranslated in CSV exports.
• Stability and performance improvements.

### 1.1 — 2026-09-07

A fresh look and smarter debt tracking.
• Redesigned dashboard for a clearer financial overview.
• New PRO cash-flow charts, category breakdowns, and overdue insights.
• Plan repayments around your monthly budget with the new PRO payment planner.
• Improved search, reminders, and CSV exports.
• Bug fixes, reliability improvements, and updated translations across all seven supported languages.

### 1.0 — 2026-08-12

No release notes.

## Apps similar to DebtTracker

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Debt Tracker: Loan Manager](https://appshunter.io/ios/app/debt-tracker-loan-manager/id6814282408) | — | Free | Finance |
| [Dibs: Debt & IOU Tracker](https://appshunter.io/ios/app/dibs-debt-and-iou-tracker/id6751948133) | 5.0 (1) | Free | Finance |
| [Debt Book - IOU & Loan Tracker](https://appshunter.io/ios/app/debt-book-iou-and-loan-tracker/id6771255586) | 5.0 (5) | Free | Finance |
| [WaitingOn: IOU & Debt Tracker](https://appshunter.io/ios/app/waitingon-iou-and-debt-tracker/id6816643278) | — | Free | Finance |
| [Ledgeo: Loan & IOU Tracker](https://appshunter.io/ios/app/ledgeo-loan-and-iou-tracker/id6762177221) | — | Free | Finance |
| [DebtSyn: Split Bills & IOUs](https://appshunter.io/ios/app/debtsyn-split-bills-and-ious/id6792980219) | — | Free | Finance |

## More apps by Osman Dogan

- [DayFinder - Date Calculator](https://appshunter.io/ios/app/dayfinder-date-calculator/id6737811392)
- [WordUp! Charades Party Game](https://appshunter.io/ios/app/wordup-charades-party-game/id6738099952)
- [VocabHub - Vocabulary Builder](https://appshunter.io/ios/app/vocabhub-vocabulary-builder/id6738281916)
- [CosmicWishes: Wish Power](https://appshunter.io/ios/app/cosmicwishes-wish-power/id6738310728)
- [Wordish : Guess the Word](https://appshunter.io/ios/app/wordish-guess-the-word/id6738327526)
- [Words101 - 基本英単語](https://appshunter.io/ios/app/words101/id6738427496)

All apps by Osman Dogan: https://appshunter.io/developer/1778067257

## Related topics

[owed](https://appshunter.io/ios/topics/owed) · [lentpal](https://appshunter.io/ios/topics/lentpal) · [money owed](https://appshunter.io/ios/topics/money-owed)

---

*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 2026-10-31.*