Zwroty: Debt Tracker

Zwroty is a private debt tracker for real personal loans between people.

When a friend borrows money, pays part of it back, and later borrows again, the hard part is not the payment itself. It is keeping one clear balance and the full history without losing track. Zwroty is built for exactly that.

This is not a group trip splitter or a one-off bill app. It is a calm, Apple-native ledger for personal debts between friends, family, partners, and people you know.

With Zwroty, you can:
• keep the exact remaining balance for each person
• record partial repayments and repeat borrowing
• keep the full history of loans and repayments in one place
• share a debt ledger with another person through Apple CloudKit
• work in multiple currencies
• search and filter history by type, date, amount, and note
• import or export records as CSV

Privacy matters here.

Zwroty does not require a traditional account, registration flow, or phone number. Debt records stay on your devices and in your iCloud. Shared debt records use Apple CloudKit.

For exchange rates, the app may request current rates from an external provider. The debt amounts and records you enter are not sent to that provider. Currency conversion is calculated on device after the rate is fetched.

If you want a clear, trustworthy way to keep personal debts private and organized, Zwroty is ready.