Debt Tracker vs Debtless

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.

100% free. No ads. No subscriptions. Debtless keeps the number that matters most—the date you are projected to be debt-free—at the top of your plan. Add debts manually or scan a statement, log payments, and see the projection move as your balances change. EVERY FEATURE IS FREE • Track unlimited debts, payments, due dates, and savings goals • See total debt, minimum payments, payoff progress, and a projected debt-free date • Log quick extra payments without exceeding the remaining balance • Compare avalanche, snowball, and hybrid payoff strategies • Explore payoff questions with the on-device Plan Assistant on compatible Apple Intelligence devices • Use Apple Intelligence-enhanced statement extraction on compatible devices • Get Earn ideas tailored to your skills and most expensive debt • Set local due-date reminders and export your ledger to CSV There is no subscription, in-app purchase, paywall, advertising, or paid feature tier. Generated features have no message or scan quotas because processing runs on-device. PRIVACY BY DESIGN There is no bank linking or sign-in account. Your debt ledger, statement processing, saved Plan Assistant conversation, prompts, and generated output stay on your device. On compatible devices, generated features use Apple's Foundation Models framework and Apple Intelligence with no network AI fallback. Debtless does not sell your data, record product usage, or include third-party ad, tracking, or analytics SDKs. Apple Intelligence and other generated output can be incomplete, outdated, misleading, or wrong. Debtless and its Plan Assistant are software planning and education tools, not financial advisers, and do not provide financial, legal, tax, credit-repair, lending, or investment advice. Verify important figures and creditor terms before acting. Terms: https://debtlessapp.com/terms/ Privacy: https://debtlessapp.com/privacy/