Debt Tracker IOU vs DivvyBill

Never forget who owes you money again. Khatta Flow is the most intuitive personal ledger and debt manager for anyone who regularly lends or borrows. Whether you are settling small loans with friends or keeping a digital khata book for your shop, Khatta Flow keeps every record precise and organized. NEW — TRACK YOUR DAILY SPENDING Khatta Flow is no longer just for debts. Log your everyday income and expenses alongside your loans and see your full financial picture in one place. - Daily Expense Tracker — record every expense and income entry, automatically sorted into categories like Food & Drink, Transport, Bills, Health and Education. - Quick Add with Back Tap — double-tap the back of your iPhone to log a transaction in seconds, without ever opening the app. - Widgets — keep your To Pay and To Receive balances visible at a glance, right on your screen. - Smarter Reports — new charts, category breakdowns and monthly summaries show you exactly where your money went. WHY CHOOSE KHATTA FLOW - Track loans and IOUs — log every transaction the moment you lend or borrow. - Payment reminders — set custom notifications so a due date never slips past you. - Stay organized — group transactions by person, and attach notes or receipts to any entry. - Multi-currency — keep balances in USD, EUR, GBP and more, each tracked separately. - Professional reporting — export to CSV for Excel, your accountant, or a business partner. PERFECT FOR - Friends splitting bills or tracking shared expenses. - Small business owners who need a reliable debt and credit book. - Anyone ready to retire the paper ledger for a secure digital one. SECURE AND PRIVATE Your financial data is sensitive. Khatta Flow keeps your records on your device and protects them with a biometric app lock. No more forgotten debts. Just complete financial clarity. Terms of Use & EULA: https://docs.google.com/document/d/1gT3g7szuVF_BitDR6KnaHyGCpFDcQRk056kKsli80QE/edit?tab=t.0 Privacy Policy: https://docs.google.com/document/d/1oplMB8vaanZKVyAJv8yURCrc67ypgZB8tL3pZGccJnw/edit?tab=t.0

Split Bills in Seconds with DivvyBill Split restaurant bills, travel expenses, hotel costs, rent, and group payments with ease. DivvyBill is the fastest and simplest bill splitter and tip calculator for friends, roommates, couples, and families with no account or sign-up required. Whether you are dining out, traveling with friends, planning a vacation, or sharing household expenses, DivvyBill helps everyone know exactly what they owe. Why You'll Love DivvyBill Fast Bill Splitting Split bills equally or customize each person's share Add subtotal, tax, and tip with instant calculations See everyone's amount update in real time Smart Tip Calculator Choose from 10 percent, 15 percent, 18 percent, 20 percent, or 25 percent tip presets Enter any custom tip percentage Calculate tips on subtotal or total See how much you save by avoiding tips on tax Flexible Group Expense Splitting Split restaurant bills with friends Share travel and vacation expenses Divide hotel costs Manage roommate expenses and rent Handle any shared group payment Customize Every Payment Assign custom amounts or percentages Let one person pay more while everyone else splits the remaining balance Set individual tip percentages for each person Supports 30 plus Currencies Switch currencies instantly Exchange rates update automatically when available Share Results Instantly Send split summaries via iMessage, WhatsApp, AirDrop, or any sharing app Everyone sees exactly what they owe Split History Every bill is saved locally on your device Review previous expenses anytime No account or cloud storage required Built In Tipping Guide Tipping etiquette for over 20 countries Perfect for international travel DivvyBill Pro Upgrade once and keep it forever. Remove ads Export bills as PDF No subscriptions. No monthly fees. No recurring charges. Your Privacy Matters Your expense history stays on your device. DivvyBill never uploads your bill data or requires an account. The free version displays Google AdMob ads, which may use your device's advertising identifier according to your privacy settings. Whether you are splitting dinner with friends, sharing vacation costs, managing roommate expenses, or calculating tips at a restaurant, DivvyBill makes splitting bills simple, fair, and stress free.