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Debts & IOUs
Log what you lent or borrowed with anyone in your contacts, add repayments over time, and see one clear balance per person.
Record a debt →Track who owes whom. Settle up, sorted.
Debtus keeps a clear ledger of who owes whom between you and the people you know — money lent, money borrowed, repayments logged, balances settled. No mental math, no shoebox of notes, no awkward "so, about that money…" conversation.
💸 Lent or borrowed · 📱 Mobile-first · 🔒 Privacy-first · 🆓 Free to start
How it works
From an IOU to a settled balance
Record a debt
Lent a friend cash or covered a bill? Log who, how much, and why in seconds — from your contacts, no re-typing.
Log repayments
Paid back a little? Add each repayment and watch the balance shrink toward zero.
See the balance
One clear number per person — exactly what they owe you, or you owe them, right now.
Settle up
Mark it paid or send a gentle nudge — the balance clears to zero when you're square.
Track debts
Every IOU in one ledger
Add a debt the moment it happens — money lent, money borrowed, a covered bill — and Debtus keeps the running balance with each person until it's settled.
Coming soon
Receipts & reminders
Attach receipts as proof, send gentle settle-up nudges, and handle multi-currency and recurring debts — growing as Debtus does.
On the roadmap- Multi-currency Soon
- Recurring debts Soon
- Receipt capture Soon
- Settle-up reminders Soon
- Splitus IOU sync Soon
- Sneat integrations Soon
Who it's for
One ledger for every "you owe me"
The same Debtus, whether it's a fiver between friends or months of shared bills.
Friends & family
The tenner you lent, the dinner they covered — tracked so nobody has to remember or bring it up.
Flatmates
Rent, bills and the shared shop — who fronted what, kept clear and settled cleanly.
Travel buddies
One person pays upfront; Debtus keeps the running tab until everyone's square.
Couples
Shared costs and the little loans between you two — clear, fair and drama-free.
Colleagues
The coffee round, the group gift, the lunch you covered — logged, not lost.
Why Debtus
It's not about the money. It's about not having to ask.
Never forget
No awkward reminders
You own your data
Splitus, built in
Your debts, your data
Transparent by design
🔒 You own your data
Your debts and balances live in your own Sneat space — one secure place you control and share only with the people you choose.
🧩 Connected to Splitus
Split a group bill in Splitus and the IOUs land straight in Debtus — one ledger, no re-typing.
🧮 Transparent balances
Every balance shows the debts and repayments behind it, so the number is never a mystery.
Stop keeping score in your head.
Log your first debt in under a minute — track it, settle it, free.
Record your first debt