DebtTracker
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The debt tracker that tells you exactly who owes you.

Track debts, log payments, and stay on top of who owes you — all in one app.

Start tracking for free

No credit card required · Free for up to 3 people · $9.99/yr for unlimited

Simple debt tracking & payment management

Track every debt

Add people, amounts, and notes. See your total outstanding at a glance.

Log payments instantly

Record partial or full payments. Remaining balance updates automatically.

Private & secure

Your data is encrypted and only visible to you. Always.

Who uses DebtTracker?

Whether you lend money to friends or invoice clients, DebtTracker keeps every dollar accounted for.

Friends & Family

Split a dinner, lend rent money, or cover a trip. Stop relying on memory — track every IOU in seconds and send a gentle reminder when it's time to settle up.

Freelancers & Contractors

Track outstanding client invoices, log partial payments, and know at a glance which projects still owe you. No spreadsheet required.

Small Business Owners

Group debts by project, track expenses per job, and keep a clean record of who paid and when. Premium gives you unlimited clients and projects.

Frequently asked questions

Is DebtTracker really free?

Yes. You can track up to 3 people completely free, with no credit card required. Premium is $9.99 per year and gives you unlimited tracking.

How do I track who owes me money?

Sign up, tap "Add Debt", enter the person's name and amount. As they pay you back, log each payment and the remaining balance updates automatically.

Can I send a payment reminder to someone?

Yes. Every debt has a "Send Reminder" button that generates a shareable link. The recipient sees a page showing what they owe and can pay via PayPal or Venmo.

Is my financial data private?

Completely. Your data is only visible to you. Passwords are hashed with bcrypt, sessions are signed with JWT, and every query is scoped to your account.

Can I track debts for a business or freelance work?

Yes. The Projects feature lets you group debts and expenses by client or project, making it easy to track outstanding balances across multiple jobs.