Debt Tracker IOU vs DebtFlow

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

DebtFlow is the simplest way to track money between people — and build toward what you're saving for. Whether you lent a friend money for rent, owe your supplier from last month, or you're splitting a recurring bill with a flatmate — DebtFlow keeps the record so you don't have to hold it in your head. DEBT TRACKING — Log money you've lent or borrowed in seconds — Track partial repayments with progress bars — Attach payment receipts and transfer references as proof — Get reminders before due dates — Organise debts by category — personal, business, family CONTACTS — One profile per person shows your full history together — See the net balance between you and anyone at a glance — Add labels: Friend, Family, Business, Flatmate RECURRING DEBTS — Set up repeating entries for subscriptions, loan instalments, or shared bills — New entries generate automatically on schedule — Settle one or all at once when payments come through SAVINGS GOALS — Create goals for anything — a phone, a trip, an emergency fund — Track progress with deposit history and a visual progress bar — Get a daily, weekly, and monthly savings pace so you always know if you're on track — Celebrate milestones at 25%, 50%, 75%, and 100% — Export your savings history as CSV DESIGNED FOR REAL LIFE — Works in any currency — Dark and light mode — PIN lock for privacy — Fast, offline-first — no account required DebtFlow works for anyone managing money between people — freelancers, small business owners, students splitting bills, or anyone who wants to stop keeping IOUs in their notes app. Download free. No ads. Upgrade to DebtFlow Pro for unlimited records, reminders, and PDF export Privacy Policy: https://sites.google.com/view/debtflow-privacy-policy Terms of Use (EULA): https://sites.google.com/view/debtflow-terms