DebtMe: IOU & Debt Tracker

Lent money to a friend and can't quite remember who still owes what? DebtMe keeps the whole story - every loan, every repayment, down to the last penny.

DebtMe is a private ledger for money between people. Money you lent. Money you borrowed. Log it in five seconds, watch it shrink with every repayment, and when it finally reaches zero a red seal drops on it - done, and off your mind.

No account. No sign-up. Nothing leaves your phone.

WHAT YOU LENT, WHAT YOU OWE

• Two clear sides, never mixed up

• Log partial repayments in cash or by transfer

• Progress ring, remaining balance and full payment history on one screen

• A red seal and a little confetti the moment a debt is settled

INTEREST, WORKED OUT FOR YOU

• Four modes: none, % per month, % per year, or per-million-per-day

• Simple daily interest on the outstanding balance - no compounding surprises

• Tap any figure to see exactly how it was reached

• Change a rate or a start date later and everything recalculates

• A hint on which debt to clear first when several carry interest

NEVER BE THE ONE WHO FORGETS

• Reminders before the due date, at the hour you pick

• Keep nudging you while something is still unpaid

• Both directions: money coming back to you, and money you owe

ASKING, WITHOUT THE AWKWARDNESS

• Ready-to-send messages in four tones: friendly, polite, firm, committed

• Names, amounts and dates fill themselves in

• Send by message, mail or anything on your share sheet

• Or just mark someone as nudged and send nothing at all

KEEP IT TIDY

• Separate ledgers for personal, work and shop money

• Every person with a running net balance, netted off when you owe each other

• Attach a photo of the IOU, the receipt or the transfer screen

• Search, filter, and a settled-debt history grouped by month

• Charts of what's still outstanding and who is holding it

ANY CURRENCY

• 26 currencies, each debt keeping its own

• Totals converted with rates you can refresh or set by hand

• Works offline; rates catch up when you're back online

SEE IT WITHOUT OPENING THE APP

• Home Screen widgets: both totals, what's due next, what came back each month

• Lock Screen widgets: one glance tells you how many debts need you

• Add a debt straight from Control Centre

• Widgets require iOS 18.6 or later

YOURS ALONE

• Everything stays on this device - no server, no account, no tracking

• Lock DebtMe behind Face ID or Touch ID

• Hide every figure with one tap

• Back up to a file, restore whenever you like

DEBTME PRO

Free covers 10 open debts and one ledger - enough for most people, forever. Pro lifts both limits and unlocks automatic interest and CSV export. Monthly, yearly, or one payment for life.

Speaks 17 languages. Made by one person who got tired of writing on the backs of receipts.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Privacy Policy: https://debtme.app/privacy/