Pautang vs Semgyeol

Pautang is a private, offline-first ledger for anyone who lends money and wants to stay organized. Whether you help out family and friends or keep an informal lending book, Pautang tracks every loan, payment, and balance — and does the math for you. WHAT YOU CAN DO • Record loans and repayments in seconds • See balances update automatically — principal, interest, and profit • Spot overdue and due-soon loans at a glance • Browse by person to see exactly who owes you • Track your capital: cash on hand, and how much is out on loan vs idle PRIVATE BY DESIGN • Works fully offline — your data lives on your device • No ads, no tracking, no analytics • Optional cloud backup if you want it • Delete your account and all data anytime Pautang is a personal record-keeping tool. It does not lend money, move funds, or process payments — every figure is one you enter yourself.

Good company. Clear balances. Six people at dinner, four at dessert and two in the taxi. Semgyeol splits each expense among the people who joined it, then calculates who owes whom. Choose the people for each expense Enter a title, amount, one payer and the people sharing the cost. A payer can cover an expense without being one of its participants. See what each person paid and what their share adds up to. Account for the smallest unit Each expense is split equally among its selected participants. Remaining units are assigned in group participant order. KRW and JPY use whole units; USD and EUR use cents. Each group uses one currency, with no currency conversion. Share the full breakdown Review all expenses, each person's paid and owed amounts, and settlement results in a receipt. Short receipts fit one image; long receipts are divided into pages so you can share the current page. Share the complete breakdown at once as text. Everyone can see how the costs were divided. Choose a destination through your device's share interface. Keep records on your device No account is required. Group records stay on your device and are not sent to a Company server. Calculations and records work offline. Export all groups as a JSON backup and import the file later. Restoring replaces every current group with the backup contents. Backup files include names and amounts and are not password-protected. Made for everyday use Choose Korean, English, Spanish, Portuguese (Brazil), Indonesian, Hindi, Japanese, German or French and light, dark or device appearance. Explore an included sample group. Manage up to 50 groups, with 30 people and 60 expenses per group. Stored data is limited to 1,500,000 bytes. Imported backups must be within 4,000,000 bytes and also meet the storage limit after restoration. Semgyeol calculates settlement amounts. It does not transfer money, process payments, connect financial accounts or confirm receipt of payment. Results depend on the details you enter, so check amounts and participants before sharing. Banner ads appear on the settlement result screen. You can manage groups and calculate results without viewing or clicking an ad. Developed and operated by IBRDOS Co., Ltd. ((주)아이비알도스) Support: dev@ibrdos.com