Debt Ledger
Record informal loans, shared advances, reimbursements and repayments transparently. Create bilateral entries, track running balances, add context notes and remove awkward reminders when settling up with friends, family or teammates after trips, meals or shared purchases.
Two-party agreements
Create a clear, timestamped entry both sides can review and acknowledge at any moment.
Creation & acceptance
Proposed debts require confirmation before they become active, increasing trust and accuracy.
Repayment tracking
Log partial or full repayments with automatic running balance updates and history.
Secure snapshots
Transparent records
Why use Debt Ledger?
Instead of scattered chats, spreadsheets or memory reliance, Debt Ledger standardizes peer-to-peer tracking. Structured, reviewable entries reduce friction, prevent misunderstandings and encourage quicker settlement.
Great for group trips, household costs, club expenses or spontaneous lending-everyone stays aligned and confident until the balance reaches zero.
Friends & outings
Track who fronted tickets, meals, rideshare or event deposits and settle fairly.
Household shared costs
Log advances for utilities, groceries, furniture or repairs with shared visibility.
Small teams
Record incidental expenses before formal reimbursement cycles for clarity.
Frequently asked questions
Is Debt Ledger free?
Debt Ledger is part of paid plans (Premium & Family). It delivers structured bilateral logging, confirmations and transparent balance history beyond what generic notes or spreadsheets provide.
Can entries be edited after creation?
Adjustments or corrections require acknowledgment by both parties, preserving trust and preventing silent changes.
Can I export the history?
Yes. You can export filtered statements for personal records, audits or discussion when closing a group activity.
Is there a Debt Ledger app for Android and iPhone (iOS)?
Yes. Works on mobile and web with real-time sync so both parties always see the same numbers.
What makes Listub one of the best IOU / debt tracker apps?
Bilateral confirmations, immutable snapshots, shared visibility, partial repayments and exports—reducing disputes compared with plain notes.