Best Debt Ruthless Apps

PayUp: Personal Debt Tracker

They borrowed. Time to Pay Up

Free

Easily track money owed to you by friends and family. Log debts, record payments, and split group expenses without needing an account. Premium features are available via in-app purchase.

Paid - Debt Tracker

Debts tracked. Money back.

Free

Manage all your debts effortlessly with this intuitive application. It offers one-tap reminders to ensure you never miss a payment and an AI-powered receipt splitter for easy expense division.

Dibs: Debt & IOU Tracker

Who owes who, made simple

Free

Easily track who owes whom money and manage your debts. This app simplifies splitting group expenses, setting reminders for payments, and visualizing your financial balance with friends. It offers a private experience with no account or cloud storage required.

Debt Payoff Coach

Debt‑Free Payoff Calculator

Free

Manage and eliminate your debt with a clear system. Track your progress visually, simulate payoff strategies, and receive smart insights to help you achieve financial freedom faster. Stay organized with payment reminders and detailed schedules.

Debt Tracker: Personal Debts

Debt Manager: Who Owes Me?

Free

Manage personal debts and track payments effectively. Record who owes you money and who you owe, with detailed insights into each debt. Facilitates flexible payment tracking and provides a history of all debts.

Track Debt Free: DebtBuddy

Track Debt - Free Forever

Free

This finance app helps users manage and pay off debts efficiently and stress-free. It offers smart payoff strategies and clear projections to visualize debt freedom. The app is completely free and ad-free, focusing solely on user progress.

Debtyy – Debt Tracker & IOU

Who owes me? Loans to friends

Free

Easily track money lent to friends or borrowed from family. Record payments, set reminders, and manage all your personal loans and IOUs in one private place. Focuses solely on interpersonal debt, not general expenses.

Loan & Debt Tracker

Debt-free journey

Free

Manage all your debts and loans in one place. Track money owed to you and money you owe to others, with clear overviews of balances and due dates. Achieve financial freedom with tools to help you stay organized and motivated.

Owemint - You Owe Me

Money Owed & Debt Tracker

Free

This personal finance tool helps you manage money owed between people without spreadsheets or group chats. Easily track who owes what, record partial payments, and set due date reminders. Keep your debt records private and secure on your device.

AI Budget Manager - WalletGPT

Track Subscriptions & Bills

Free

Effortlessly track expenses and manage budgets using voice commands. This app provides clear financial insights, bill reminders, and savings goal tracking without requiring bank linking. It offers comprehensive financial management tools with a focus on privacy and ease of use.

Evenly - Lend and never forget

Track what you loan and borrow

Free

Easily track money lent to and borrowed from friends. This app synchronizes loan history across devices, ensuring no transaction is forgotten. It features automatic reflection of loans for both parties and convenient push notifications.