# Debtyy – Debt Tracker & IOU — 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/debtyy-debt-tracker-and-iou/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 · 19 MB
- Languages: Arabic, English, French, German, Hindi, Japanese, Portuguese, Russian, Chinese, Spanish
- Released: 2026-01-06
- Data updated: 2026-09-17
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/debtyy-debt-tracker-and-iou/id6756559063/reviews.md

## What is Debtyy?

Lent money to a friend and forgot about it? Debtyy remembers who owes you, how much and when it's due — and helps you get it back without awkward conversations.

WHY DEBTYY
• One place for every personal debt: who owes you and who you owe
• Partial payments with full history and a progress bar
• Gentle reminders before, on and after the due date — shown only to you, never sent to your friends
• Share a debt as a clean card in one tap: amount, due date and progress, ready for iMessage, WhatsApp or Telegram
• Lock the app with Face ID or Touch ID, debts stay hidden in the app switcher (Pro)
• Statistics per person and an archive of closed debts
• Attach photos or PDFs: receipts, transfers, IOU notes
• Export everything to CSV or PDF (Pro)
• Works offline; optional iCloud sync between iPhone and iPad (Pro)
• No accounts, no ads, no tracking — your data lives on your device or in your own iCloud

HOW IT WORKS
1. Add a debt in seconds: person, amount, due date, note.
2. Log payments as they come in.
3. Get a reminder when it's due — or send a friendly card yourself.
4. Close the debt and keep the history.

FREE AND PRO
Debtyy is free for up to 3 active debts. Debtyy Pro unlocks unlimited debts, iCloud sync, Face ID lock, export, themes and app icons. Monthly or yearly, cancel anytime in your Apple ID settings.

PRIVACY
Debtyy never asks for a login and never contacts the people you owe or who owe you. Reminders are local notifications for you only.

Debtyy is built for personal debts between people — money lent to friends, borrowed from family, split trips and dinners. It is not a budgeting or expense app.

Questions or ideas? Write to us from Settings → Contact Support.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## 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 Debtyy

### 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)

### 1.1.0 — 2026-09-12

- Share a debt in one tap: a clean card with the amount, due date and progress, ready for iMessage, WhatsApp or Telegram. Swipe or long-press a debt in the list; closed debts get a "Paid in full" card.
- Lock Debtyy with Face ID or Touch ID (Pro). Your debts stay hidden in the app switcher too.
- Amounts of any size: fast typing no longer loses digits. Currency picker with search, your local currency suggested first.
- Added Colombian Peso
- "What's new" screen after each update.
- Fixes: status bar on the Pro screen, adding a new contact with a hardware keyboard, onboarding polish.

### 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

## Apps similar to Debtyy

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Dibs: Debt & IOU Tracker](https://appshunter.io/ios/app/dibs-debt-and-iou-tracker/id6751948133) | 5.0 (1) | Free | Finance |
| [Payback: Debt & IOU Tracker](https://appshunter.io/ios/app/payback-debt-and-iou-tracker/id6756201066) | — | Free | Finance |
| [Money Manager: Debt Tracker](https://appshunter.io/ios/app/money-manager-debt-tracker/id6755724921) | — | Free | Finance |
| [Who Owes Me - OweList](https://appshunter.io/ios/app/who-owes-me-owelist/id6759501055) | 2.7 (3) | Free | Finance |
| [Debt Buddy - Money Tracker](https://appshunter.io/ios/app/debt-buddy-money-tracker/id6743215073) | 3.3 (3) | Free | Finance |

## Related topics

[iou friend](https://appshunter.io/ios/topics/iou-friend)

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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 2026-09-17.*