DebtFlow - Debt Tracker, IOU

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 split