MyHutang: Debt & IOU Tracker

DISCLAIMER: MyHutang is a personal record-keeping app for tracking debts and IOUs. It does NOT offer loans, credit top-ups, or connect users with lenders.

MyHutang — "hutang" is Malay for debt — is a private debt manager for everyday IOU records, personal lending, and monthly commitment tracking.

Track who owes you, who you owe, and every payment in one place — plus your recurring monthly bills. MyHutang helps you stay organized with reminders, clear history, and secure offline storage.

TRACK BOTH DIRECTIONS
- Money owed to you and money you owe, in one running balance
- Partial payments and full settlement, with the complete payment history kept
- Debts organized by contact, with notes, due dates and balance summaries
- Search and filter by type or status to find any record fast
- Optional interest when you need it: one-time, periodic or compound
- Optional Islamic finance (riba) notice when you enable interest on a debt

SEND A RECEIPT INSTEAD OF A REMINDER
- Share a PDF receipt for a single payment, or a full statement with the whole history
- Ten receipt designs, from a compact till slip to a full A4 statement
- Make each one yours: your own accent colour, document titles, name and footer
- Send it straight to WhatsApp

NEVER MISS A DUE DATE
- Local due-date reminders at a time you choose
- WhatsApp payment reminders sent straight from a debt record
- Monthly commitments for recurring bills and subscriptions (rent, loans, utilities, streaming), with a paid/unpaid overview each month

SEE THE WHOLE PICTURE
- Cash flow charted month by month
- Payment progress split between what you lent and what you owe
- Insights: average and largest debt, settlement rate, and the one sitting unpaid longest
- A home screen widget for a quick balance snapshot

PRIVATE BY DESIGN
- No account, no sign-up, no MyHutang server
- Core debt tracking works fully offline
- AES-256 encrypted database, with optional PIN and biometric lock
- Hide amounts on screen, or turn on screenshot and screen-recording protection
- No ads and no tracking

MAKE IT YOURS
- Dark mode and 20 colour schemes
- Pick from the world's currencies, or set your own label
- Split bills equally or by a custom amount per person
- Turn features on or off to keep only what you use
- Available in English, Malay, Indonesian, Filipino, Chinese, Thai, Hindi, and Arabic

BACKUP AND EXPORT
- Encrypted backups to your own Google Drive, on a schedule you choose
- Or save a portable backup file to your device
- Export your data to CSV or JSON at any time

MyHutang is completely free to use with no ads, no subscription, and no paywall.

USE CASES
- Personal debt tracking
- IOU reminders
- Friends and family lending records
- Informal records of what customers owe a small business
- Recurring bills and subscription reminders

If you need a simple, private debt and commitment reminder app, MyHutang keeps your records accurate and easy to manage.

Recent changes:
- Make every receipt your own: 10 designs, your name, your colour, your logo.
- Pick your currency from a list of 154 — no more typing the symbol.
- A fresh start screen: language, currency and theme, all in one place.
- Polish and bug fixes across the widget, reminders and backups.