MoneyDue: Debt Tracker

Lent 500 and got 200 back? Write down what actually happened. MoneyDue keeps the remaining balance, so you never have to close a debt and open a new one.

ONE PHONE, NO GROUP
You can start on your own — no group to set up, and the other person does not need the app yet. Record who owes whom from one phone.

WHO OWES WHOM
Every debt has a direction and someone behind it. One screen shows what you are owed, what you owe, and where you stand once the two are put together.

PAID BACK IN PIECES
Add each repayment with its own date and amount. The balance moves by itself. Nothing is rewritten, nothing is lost, and the whole history stays readable a year later.

ASKING WITHOUT HUNTING FOR WORDS
MoneyDue writes the message for you. Gentle or direct. In English, Polish or Ukrainian, chosen by who is receiving it rather than by the language you use the app in. The wording changes depending on whether the due date is still ahead, is today, or has passed.

You read it, edit it if you want, and send it yourself through your usual messenger. Nothing goes out on its own.

IT REMEMBERS THE DUE DATE
Give a debt a due date and MoneyDue reminds you the day before, on the day and the day after, whether you are owed the money or owe it. You pick the time in Settings, and you can switch reminders off there too. The notifications are scheduled on your phone itself.

CLOSED, FORGIVEN, ARCHIVED
A settled debt moves to the archive and stays there — out of the list, still in the history. Writing off what is left is a separate action: the original amount and every payment remain visible, so you can see what you forgave and when.

PAID BACK IN A DIFFERENT CURRENCY
Lent in zloty, repaid in hryvnia? Enter the rate you actually got — at the exchange counter, at the cash desk, or whatever the two of you agreed. It is stored with that payment and never moves again. Today's market rate is a different thing, and MoneyDue keeps the two apart.

YOUR DATA STAYS ON YOUR PHONE
Works without an account. Your debts stay on your device — nothing leaves without your decision. The database is encrypted and the key never leaves it.

MoneyDue asks the internet for currency rates, and that request says nothing about you — not a name, not an amount. Between updates it works from the last rates it has, offline included. If you agree, it also sends counts of which features are used; names, amounts, currencies and notes are not part of them.

Face ID or Touch ID locks the app, with your device passcode as the fallback.

Light and dark. English, Polish, and Ukrainian.

Free. No ads. Nothing behind a paywall.