Stop wondering "who owes me money?"'

DebtNote is the ultimate debt tracker, bill splitter, and IOU manager designed for total financial clarity. Whether you are lending money to friends, splitting bills with roommates, or tracking personal loans, our offline digital ledger keeps your finances organized without the need for messy notes.

🎯 CORE USES FOR DEBTNOTE:

• Debt Tracker: Keep a precise record of money lent and money borrowed.
• Bill Splitter: The easiest way to split bills for dinner, rent, utilities, or group trips.
• IOU Tracker: A simple money manager to track informal IOUs with friends.
• Loan Manager: A professional loan tracker for personal or family loans with interest.
• Business Ledger: Small business owners can track customer payments and debt collection.

✨ SMART FEATURES FOR TOTAL CONTROL:

👥 Social Bill Splitting & Group Expenses
Tired of the "who owes who" confusion? Our group expense tracker lets you split bills with friends instantly. Whether it’s an equal split or custom amounts, you can settle up easily and keep everyone on the same page.

📊 Interactive Debt Dashboard
See your financial standing at a glance. Track "lent" vs "borrowed" with a clear net balance. Use our debt manager to filter by category, person, or currency.

💰 Complete Loan Management
• Add debts quickly using your phonebook contacts.
• Record partial payments and track full settlement history.
• Interest Calculator: Support for simple and compound interest on loans.
• Recurring Debts: Automate tracking for regular monthly payments.

🔔 Smart Reminders & Payment Alerts
Avoid awkward conversations! Set due date reminders and receive overdue alerts so you never miss a repayment or forget to collect borrowed money.

🔒 100% Private & Offline First
Your financial data is your business. DebtNote is an offline debt tracker—no internet, no accounts, and no cloud servers.
• App Lock: Secure your ledger with PIN or Biometrics (Fingerprint/Face Unlock).
• Data Export: Export your records as PDF, CSV, or Excel for easy sharing.

🎨 Customizable & Global
• Sleek Dark Mode and Light themes.
• Multi-currency support (150+ world currencies).
• Attachment support: Save photos of receipts or loan agreements.

Stop relying on memory or paper notes. Download DebtNote today—the most secure IOU tracker and bill split app to manage your personal credit and debt!