Debt Tracker IOU vs Owesome

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

Owesome makes splitting expenses effortless. Start a group for your trip, your flat, or Friday's makan session, share a single link, and everyone can join and add expenses instantly — no sign-up, no passwords, no friction. SETTLE UP BY QR: The only split app built for how Southeast Asia actually pays. When it's time to settle, scan a QR with the exact amount pre-filled — PayNow in Singapore, PromptPay in Thailand, with more countries on the way — or send a payment request QR to whoever owes you. No typing numbers, no wrong amounts. SPLIT ANY WAY YOU LIKE: Split equally, by exact amounts, by percentages, or by shares (2 shares for the couple, 1 for each single). Owesome guarantees the math always adds up to the cent. SEE WHO OWES WHOM: Balances update live for everyone in the group. When it's time to settle, Owesome collapses all the debts into the fewest possible payments — if A owes B and B owes C, A just pays C once. BUILT FOR TRAVEL: Every expense can have its own currency, and balances are tallied per currency — no surprise conversions in your records. When you get home, settle everything in one QR payment: Owesome proposes a conversion using daily reference rates, you and your friends stay in control of the final amounts, and every original currency is marked settled exactly. STAY IN SYNC: Every expense, edit, and settlement appears in a shared activity feed, so the whole group sees the same numbers. Record settle-ups in cash, PayNow, PromptPay, or bank transfer. NO ACCOUNTS, NO ADS: Owesome works without an account and contains no ads and no tracking. It records who owes whom — your money stays in your own hands.