My debts: debt manager, IOU

Keep your personal debts organized without spreadsheets or chat searches. My Debts works as a debts manager and IOU tracker that makes lending and borrowing simple. Whether it’s a small borrow-back deal or a structured loan, you’ll always know what’s active, what’s paid, and what’s next. Create debts linked to contacts, then add payments as they happen. You can record partial payments anytime, and the app recalculates the remaining balance automatically. If you renegotiate terms or notice a mistake, just edit the debt — My Debts will update interest and rebuild your payment schedule instantly. No manual math, no confusion. Highlights: — Track every lend, borrow, or loan with full details: amount, dates, notes, and payment log. — Use different currencies across your records, and even mix currencies inside a single debt when payments come in different money. — For classic debts, My Debts calculates interest by your rate. — For loans, it creates a clear installment payment schedule so you can plan payoff step by step. — A built-in calendar keeps your upcoming payments visible by date. — The forecast chart shows progress and predicts when the debt will be fully repaid. — Set reminders and notifications so you never miss a due date. — Browse active debts or check your archive of settled ones anytime. My Debts is made for clean debt control and stress-free payoff planning — all with your data kept locally on your phone.