Debt Book - IOU & Loan Tracker

Debt Book is an IOU and loan tracker for money between people: see who owes you, who you owe, and what is left after every repayment.

Log money lent to friends and family, record each partial payment and send a polite payment reminder. Free to start: no account, no ads, works offline.

Know who owes you
Who owes me what? Each person shows what they owe you, what you owe them and the net balance. Pick people from your Contacts, then call, email or message them.

Track every repayment
• Log partial or full payments, or add more to a loan.
• Each loan has a payment tracker: a timeline of every entry, editable.
• Pay Off settles all of a person's open loans at once.
• Simple or compound interest by day, week, month or year, recalculated after each payment.

Get paid back without the awkward ask
• Debt Book writes the payment reminder with the amount still due, in five tones: Friendly, Professional, Gentle, Firm or Short. Free.
• Edit, copy or share it to Messages, WhatsApp or Mail. You send it, not the app.
• Remind a contact about their whole account in one message.
• Due-date debt reminders for you (Debt Book Pro): an early alert at a time you pick, one on the due day and an optional overdue nudge, with an alarm sound.

Stay organized
• Separate books (ledgers) for personal, family or business loans, or shop credit (khata / udhar); 2 on the free plan.
• Up to 10 receipt photos per entry, with auto-crop for documents.
• Search books, people and transactions, with a date filter.
• Analysis shows what to collect and pay across all books, and what is overdue.
• Share any loan as a PDF statement (Debt Book Pro).

Private and secure
• Your records (names, amounts, notes, photos) stay on your device, and in your own iCloud with Pro backup. Debt Book uses analytics and crash reports to improve the app.
• PIN lock each time you leave the app, with Face ID or Touch ID (Debt Book Pro).
• Back up to your own iCloud and restore on a new iPhone or iPad, or export and import a file (Debt Book Pro).

iPhone and iPad
Native iPad layout with a sidebar and keyboard shortcuts. English, Bengali, Spanish, Arabic or French; 13 color themes; one currency of your choice: USD, EUR, GBP, INR, BDT, JPY or SAR.

Questions
How do I keep track of money I lent to friends and family?
Use Debt Book as a personal loan tracker: add each loan under the person's name; every repayment updates the balance.

Is there an app to keep track of money people owe me?
Yes. Debt Book is a simple IOU app that shows the money owed to you, person by person.

Can Debt Book remind someone to pay me back?
Yes. It writes the message for you to send, free; Debt Book Pro also alerts you on the due date.

Does Debt Book work offline?
Yes, with no account. Only purchases and iCloud backup need a connection.

Is Debt Book a loan app?
No. It never lends or moves money or connects to your bank. It is a personal debt tracker, not a credit-card payoff planner.

Replace the notebook or spreadsheet you use to remember who owes you.

Free plan and Debt Book Pro
Debt Book is free to download. The free plan includes 2 books, 5 people per book and 10 transactions per person; payments and interest are unlimited on every plan. Debt Book Pro unlocks due-date reminders, PIN lock with Face ID or Touch ID, iCloud backup and restore, PDF statements, data export and import, and unlimited books, people and transactions. If Pro ends, nothing is deleted.

Debt Book Pro is a monthly or yearly auto-renewing subscription, or a one-time Lifetime purchase.

Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period; your account is charged for renewal within 24 hours before the period ends. Manage or cancel in your App Store account settings.

Privacy Policy: https://debtbooktracker.com/privacy-policy.html
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/