Debt Book is a private ledger for money lent and borrowed between people. Automatic interest, separate books, payment tracking, and PIN lock — everything stays on your device.
We all lend and borrow — a friend short on cash, a family medical bill, a shopkeeper's running tab. Debt Book replaces the notebook (khata) and the memory with one clear, private ledger. You record who owes what, the app tracks interest and payments, and you always know exactly where things stand.
Track money lent to friends or relatives without the awkward "did you pay me back?" conversation.
Replace the paper khata / udhar book. Keep customer credit organized per person, per book.
Track client advances and partial payments across projects, with interest if you charge it.
Split rent and bills, or run a separate ledger for business loans — kept apart from personal.
Four core ideas power Debt Book — each one designed to remove a specific headache of tracking money by hand.
Set a simple or compound rate — daily, weekly, monthly, or yearly — and Debt Book recalculates the accrued interest automatically every time a payment comes in.
Create unlimited books to split personal, family, and business ledgers. Each book keeps its own people, transactions, and totals — nothing gets mixed up.
Search across people, transactions, and books at once. Filter by date range to pull up exactly the record you need in seconds.
Everything is stored on your device using SwiftData — there is no account and no server. Add a PIN and auto-lock to keep the app closed to anyone else, even if they pick up your phone.
The free tier covers up to two books. Debt Book Pro unlocks unlimited books, cloud backup, PDF statements, and data export — pick whichever plan fits.
On your device only, using SwiftData. There's no account and no server. If you turn on iCloud backup (Pro), it syncs to your own private iCloud — we never receive it.
Add a rate and period when creating a transaction — simple or compound. It recalculates automatically every time you record a payment.
Unlimited books, cloud backup & sync, PDF statements, and data export/import. The free tier includes up to two books, so you can try the app fully before upgrading.
No. Debt Book works immediately after install — no sign-up, no login. A profile name is optional and only used to label your own PDF statements.
For security, PINs can't be recovered. Reinstalling clears the lock but also local data — restore from your iCloud backup or exported file afterward.
Free to download. No account required. Your data never leaves your device.
Download on the App Store