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.

What's the easiest way to track who owes me money?

A dedicated debt tracker like DebtTracker.io. You add a person and an amount, and the app handles balance math, payment history, and reminders.

Should I track small amounts under $20?

It depends on frequency. If the same person regularly borrows small amounts, tracking makes sense -- $15 here and $20 there becomes $200 over a few months.

What if someone disputes the amount they owe?

This is exactly why tracking matters. A timestamped record of the original amount plus every payment prevents disputes.

How-To

How to Keep Track of Who Owes You Money

Five methods for tracking money owed to you, ranked from worst to best, with an honest assessment of each.

The Problem: Why You Keep Losing Track

Most people don't have a system. When you spot a friend $40, your brain files it under "they'll pay me back" and moves on. Two weeks later you can't remember if it was $40 or $60.

5 Methods Compared

From just remembering (worst) to text messages, notes apps, spreadsheets, and finally a dedicated debt tracker (best) -- each method analyzed for auto balance calculation, payment history, mobile use, and reminders.