# InDebt — Debts with interest

> Personal debt management tool with interest, penalties, and currency support. (iPhone/iPad app by Sergei Volkov.)

- Source: https://appshunter.io/ios/app/indebt/id1385708953 (this page in markdown: same URL + `.md`)
- Developer: [Sergei Volkov](https://appshunter.io/developer/1385708952)
- Category: Finance, Business
- Price: Free with in-app purchases
- Rating: 4.50/5 from 2 App Store ratings · 34 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.6 · 29 MB
- Languages: American English, Belarusian, Croatian, Czech, French (France), German (Germany), Italian, Japanese, Kazakh, Polish and 6 more
- Released: 2018-08-02
- Data updated: 2026-08-01
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/indebt/id1385708953/reviews.md

## What is InDebt?

Book of debts with the possibility of accounting for interest on the debt and charge penalties for delayed debt repayment.

Interest and penalties charging.
Any currency in the world.  
Backup of your data. 
All payments in debts history.
Total profit for all closed debts.
Export of history.
Notifications when the debt is overdue.
Light and dark theme.

## Key features

- Interest and penalty calculation
- Support for any currency
- Data backup and restore
- Debt payment history
- Total profit calculation
- Exportable history
- Overdue debt notifications

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Purchasing the full version | $4.99 | one-time |


## Recent user reviews (10 of 34)

All indexed reviews: https://appshunter.io/ios/app/indebt/id1385708953/reviews.md

### 2/5 — Отличая идея, вместе тем сырая

*2025-07-07, version 5.2.1*

Самая удобная и множества протестированных, однако возникают ошибка на ошибке, что делает использование нудным и замороченным. Ошибок так много, что все лень расписывать, нескорые - не удаляется запись из архива, один банк будет записан столько раз сколько в нем открывали продукты, ошибки в расчетах… и т.д.  Возможность делать резервную копию должна быть бесплатной как воздух. Программа с потенциалом, купила бы, если не десяток но… в том числе разработчик похоже забил на данный продукт

### 2/5 — Não consigo fazer backup

*2025-06-26*

Não faz backup

**Developer response:** Olá. Envie-me mais detalhes com capturas de tela por e-mail através do aplicativo, explicando o que exatamente não está funcionando.

### 3/5 — Back up

*2025-03-01*

Não consigo fazer Back up para o iPad

**Developer response:** Olá. Descreva o problema com mais detalhes para indebt@vsa.su

### 5/5 — 👍

*2025-02-26, version 5.2.1*

Хорошая программа давно искал такую! Разработчикам процветания и не забываете обновлять!

### 1/5 — Bom

*2024-12-17*

Aplicativo tem tudo pra ser perfeito, porém precisa de umas melhorias.. como os juros mal calculados

**Developer response:** Olá. Descreva-me com mais detalhes para que eu possa ler pelo aplicativo. O que está errado na sua opinião?

### 5/5 — Aplicativo excelente!!

*2024-12-15*

Poderia adicionar a opção pra quando colocar a taxa de juros, aparecer o valor total do empréstimo com o juros
Ex: Empréstimo de R$1000 a 20% ao mês. 
Ai colocava logo pra aparecer o total=R$1200

**Developer response:** Olá. Obrigado por sugerir uma nova funcionalidade! Tentaremos adicionar esse recurso nas próximas atualizações.

### 5/5 — Olá

*2024-12-11*

Eu cliquei em alguma parte do aplicativo que ficou tela preta inteira, como resolvo?

**Developer response:** Olá. Descreva o problema com mais detalhes para o e-mail enviado pelo aplicativo.

### 5/5 — 💸

*2024-11-10, version 5.2.1*

Вы планируете обновление ☁️ или уже завершили работу 🚧? Можно ли заменить слова «должник-кредитор» на «отдал-взял»? Благодарю 🙏.

### 5/5 — Sugestão

*2024-02-16*

O app está ótimo, se pudesse editar a mensagem a ser enviada ao devedor ficaria excelente!

**Developer response:** Obrigado pelo seu feedback! Tentaremos adicionar tal função em versões futuras

### 5/5 — Super recomendo

*2024-01-28*

Me ajuda muito a organizar minha vida financeira

**Developer response:** Obrigado pelo feedback. Estamos tentando melhorar nosso aplicativo.

## Frequently asked questions about InDebt

### What does this app do?

This app helps you manage personal debts by allowing you to record loans, track interest accrual, and charge penalties for late payments. It supports various currencies and provides a history of all transactions.

### What are the key features?

Key features include the ability to calculate and charge interest and penalties, support for any world currency, data backup, a detailed history of all payments, calculation of total profit from closed debts, and notifications for overdue debts.

### Is this app free to use?

The app is free to download and use, with the option for in-app purchases. Specific details on what these purchases unlock are not provided in the description.

### Who is this app for?

This app is designed for individuals who need to keep track of money they have lent or borrowed, ensuring accurate accounting of principal, interest, and any late fees.

### Can I export my debt data?

Yes, the app allows for the export of your debt history. This feature enables you to save and review your financial records outside of the application.

## Version history (last 5 releases)

### 6.0 — 2026-03-12

Version 6.0: Payment Schedule & More!

NEW: Payment Schedule
Create a full payment schedule for any debt with interest! Choose between annuity (equal payments) or differentiated (decreasing payments) calculation. The app generates a complete amortization table showing principal, interest, and remaining balance for each payment.

Early Repayment: make early payments at any time and choose how to apply them — reduce the remaining term or lower the monthly payment. The schedule recalculates automatically.

Late Payment Penalties: configure automatic penalty charges for overdue scheduled payments — fixed amount or percentage of the debt, one-time or per day of delay. Penalties can be tracked separately or added to the debt balance with schedule recalculation.

Payment Reminders: enable notifications for upcoming scheduled payments with a custom reminder time. Tap a notification to jump straight to the debt.

NEW: Debt Top-Up
Add additional funds to any existing debt. For debts with a schedule, choose whether to extend the term or increase the monthly payment — the schedule recalculates from the top-up date.

Improved Privacy
The app screen is now hidden and blurred in the iOS multitasking switcher when biometric authentication is enabled — just like banking apps.

Enhanced Export
Share complete debt details: full payment schedule, early repayments, top-ups, penalties, interest breakdown, and total outstanding balance.

History: Sorting & Filtering
Sort closed debts by date, name, amount; filter by debtor/creditor, currency, or overdue status.

### 5.2.1 — 2024-05-16

Fixed a critical bug with displaying total debt on the debt screen.

### 5.2 — 2023-07-17

- added search by debtor's name to all sections
- added display of the comment to the debt on the main screen
- fixed incorrect display of debt after adding a payment
- fixed comment display in debt details
- fixed several minor bugs

### 5.1.2 — 2022-04-17

Critical bug with iCloud backup was fixed.

### 5.1.1 — 2022-02-05

Fixed small bugs.

## Apps similar to InDebt

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Debt Buddy - Money Tracker](https://appshunter.io/ios/app/debt-buddy-money-tracker/id6743215073) | 4.5 (2) | Free | Finance |
| [Loans: Manage Control](https://appshunter.io/ios/app/loans-manage-control/id6755940795) | — | Free | Finance |
| [Debt Tracker: Personal Debts](https://appshunter.io/ios/app/debt-tracker-personal-debts/id1632402707) | 4.8 (57) | Free | Finance |
| [My Debt Manager & Tracker](https://appshunter.io/ios/app/my-debt-manager-and-tracker/id6444747466) | 5.0 (5) | Free | Finance |
| [Debt Tracker - Debts Manager](https://appshunter.io/ios/app/debt-tracker-debts-manager/id1507396142) | 4.5 (104) | Free | Finance |
| [Debt Control – minhas dividas](https://appshunter.io/ios/app/debt-control-minhas-dividas/id1315617808) | 4.5 (32) | Free | Finance |

## More apps by Sergei Volkov

- [Divider - share your expenses](https://appshunter.io/ios/app/divider-share-your-expenses/id1476506565)
- [Stuma](https://appshunter.io/ios/app/stuma/id1492900597)
- [Neslis](https://appshunter.io/ios/app/neslis/id1521067909)
- [Tehcon](https://appshunter.io/ios/app/tehcon/id1558184969)
- [Mriffa](https://appshunter.io/ios/app/mriffa/id1584510077)

All apps by Sergei Volkov: https://appshunter.io/developer/1385708952

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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 2026-08-01.*