Kred: Track Money You Lend

Lent a friend £50 and can't remember if they ever paid you back? Kred keeps a clear record of every amount you've lent out — who has it, how much is still owed, and when it's due.

Kred is a simple ledger for money between people. It does not lend money, charge interest, or connect you with lenders. It just helps you keep track of what you're owed, so you never have to guess or have an awkward conversation about it.

WHAT YOU CAN DO

• Record money you lend — name, amount, date, and an optional due date
• Log repayments as they come in, including partial payments
• See at a glance who still owes you and how much is outstanding
• Get colour-coded status for every debt: active, due soon, overdue, settled
• Write off a debt you've given up on, without deleting the history
• Pull a borrower's name and number straight from your contacts
• Works completely offline — record anything, anywhere, and it syncs when you're back online

BUILT FOR REAL LIFE

Money between friends and family is messy. Someone covers dinner, you spot a colleague for a train ticket, your brother borrows for rent. Kred keeps the record so the friendship doesn't depend on anyone's memory.

Every amount is tracked separately, with its own repayment history. Partial payments are normal, so Kred is built around them.

WORKS IN YOUR CURRENCY

Kred picks up your local currency automatically — pounds, dollars, euros, rupees and more. You can change it any time in settings.

FREE AND PREMIUM

Free: track up to 3 active debts, with ads.

Premium unlocks:
• Unlimited debts
• A per-person summary showing exactly what each borrower owes you across everything
• Full analytics — recovery charts, totals, and milestones
• Payment reminders sent as notifications
• One-tap reminder messages over WhatsApp
• Export your whole ledger to CSV for a spreadsheet
• No ads

Premium is a subscription. Pricing is shown in your own currency before you buy, and you can cancel any time through Google Play.

YOUR DATA IS YOURS

Your sign-in is kept in your phone's secure keystore, not in plain storage. Your records sync to your own private account and nobody else can read them. You can delete your account and everything in it from inside the app — no email, no waiting on support.

Supports dark mode. No ads for premium users. No selling your data, ever.

KEYWORDS

IOU tracker, debt tracker, money owed, lend money to friends, borrowed money, who owes me, repayment tracker, loan ledger, split expenses, personal finance, money manager, debt book, credit book, udhar book.

Kred is a record-keeping tool. It is not a lender, a bank, or a credit provider.