Debt Tracker – IOU & Loans

Ever lent money to a friend and then forgot about it?
Or felt awkward reminding someone?

Small debts often disappear in notes and chats. They turn into uncomfortable conversations and lost money.

Debtyy is a personal loan and IOU tracker designed for interpersonal debt tracking. Not an expense tracker or bill splitter — Debtyy focuses on who owes you and who you owe. Whether you lent money to friends or borrowed from family, keep track of every personal loan in one place.

Perfect for:
• Money lent to friends that hasn't been returned
• Informal personal loans to family members
• Tracking who borrowed money from you
• Managing debts when you're the creditor or debtor
• IOU tracking without awkward conversations
• Loan to friends and family with clear payment history

Create a debt in seconds with full details: person, amount, due date, and notes. Record partial payments with complete payment history for each loan. Set gentle reminders before, on, or after due dates — never auto-message your friends. Track bidirectional debts: see who owes you AND who you owe in one place. Always know where your money is with per-person statistics and payment history tracking.

Why people choose Debtyy for personal loan tracking:
• Track unlimited loans with Debtyy Pro
• Partial payments & full payment history for every debt
• Smart reminders (before/on/after due date) for money lent
• Works offline-first — no internet needed for debt tracking
• iCloud sync across iPhone, iPad, and Mac
• No accounts, no ads, no tracking
• Privacy-focused IOU tracker that stays on your device

Unlike money tracking apps that require accounts or social features, Debtyy works completely offline. Your debt tracking records stay private on your device or in your personal iCloud. Set reminders for yourself to track loans to friends — never auto-message anyone. Your personal loan data belongs to you, not us.

Use Debtyy for free with up to 3 active debts, or unlock Debtyy Pro for unlimited debt tracking, iCloud sync across devices, and detailed statistics.

This is not a budget tracker, expense tracker, or receipt app. Debtyy is specifically designed for interpersonal debts and personal loans between people. If you're looking for an IOU tracker that handles money lent to friends and borrow money tracking with payment history, Debtyy is built for you.

Just a clean and private way to manage your debts — without pressure or awkwardness.