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How DebtTracker works

From adding your first debt to tracking project expenses — everything you need to know in one place.

Four simple steps

Get up and running in under two minutes. No setup, no complexity.

01. Create your free account

Sign up in seconds. No credit card required to get started. Your data is private and encrypted.

02. Add someone who owes you

Enter their name, the amount owed, and any notes. You can also set an optional due date to stay on top of follow-ups.

03. Log payments as they come in

Every time you receive a partial or full payment, record it with the date and amount. Your remaining balance updates automatically.

04. Mark as paid and move on

Once the debt is settled, mark it as fully paid with one tap. Your history stays intact so you always have a record.

Everything you need

Built for individuals who want clarity over their money without the complexity of accounting software.

Real-time balance tracking

See your total outstanding amount at a glance on your dashboard, updated instantly as payments come in.

Smart renewal reminders

Get in-app notifications 7 days before your premium subscription expires so you never lose access.

Project expense tracking

Organize expenses by project — track budgets, categorize costs, and see exactly where money is going.

Private & secure

Your data is encrypted at rest and in transit. Only you can see who owes you and how much.

Works on every device

Fully responsive — use it on your phone, tablet, or desktop. The experience adapts to your screen.

Premium for power users

Upgrade to Premium for $9.99/year to track unlimited people and projects with no restrictions.

Frequently asked questions

Is DebtTracker free to use?

Yes! The free tier lets you track up to 3 people and 3 projects at no cost. Upgrade to Premium ($9.99/year) to unlock unlimited tracking for everything.

How does payment work?

Premium is a simple $9.99/year subscription paid via PayPal. After payment, your account is automatically upgraded within seconds.

Is my data private?

Absolutely. Your debt and expense data is encrypted at rest and in transit using AES-256 and TLS 1.3. Only you can access your records.

Can I track partial payments?

Yes. You can log multiple partial payments against any debt. The remaining balance and payment history update automatically each time.

What is the Projects feature?

Projects let you group expenses together — for example, a home renovation, a business trip, or a client project. You can set a budget and track spending by category.