Why a ledger helps personal relationships

Most disagreements about money are not about honesty but about memory — "I thought I paid you back in March". A dated entry with a short note ends that conversation politely.

DebitCredit Android app: contacts in the Friends and family group with each balance and the group total
DebitCredit Android app: Rohan ledger with credit and debit entries, notes and the difference
In the Android app: the Friends and family group with its totals, and Rohan’s ledger with every credit and debit.

How to use it

  • Add a contact for each person you lend to or borrow from.
  • When you lend money, add a credit entry; when you borrow, add a debit entry.
  • Add repayments as they come. The balance shows who owes whom, and how much.
  • Set a due date if you agreed on one, and let the app remind you.
admin.debitcredit.app
Ledger with a friend: money lent, dinners paid, repayments and the running balance
Every loan and repayment with a friend, dated, with a short note.

Private by default

Protect the app with App Lock and a PIN. Your data is backed up to your own Google account, so changing phones doesn't lose it.

Shared expenses too

Roommates, trips and family events work the same way: one contact per person, a note for each expense, and a running balance for settling up. Use groups to keep a trip or a household separate.

Frequently asked questions

Is this only for businesses?

No. Many people use DebitCredit to track personal loans with friends and family, shared expenses, or money sent to relatives.

Will the other person know I track it?

Only if you share it. Nothing is sent unless you choose to share a statement or a PIN-protected link.

Can I lock the app?

Yes. App Lock protects DebitCredit with a PIN.