DebtPayoff Pro: Debt Tracker APK for Android

Track money friends owe you, split bills & send funny AI reminders on WhatsApp.

Friends forget. DebtPayoff Pro doesn't.

DebtPayoff Pro is the fun, simple debt tracker for money your friends owe you — and money you owe them. Log every IOU, split bills instantly, and let AI write the perfect reminder message, so you get paid back without a single awkward conversation.

TRACK EVERY DEBT, BOTH WAYS- “They Owe Me” and “I Owe Them” — both sides in one clean dashboard- Add a debt in seconds: name, amount, reason, due date, and notes- Fun avatars for every debt — pizza money, cab fare, gift money - Search debts by name or reason- Pending and Settled filters with overdue highlighting

AI REMINDER WRITER - AI writes the reminder message for you- Pick your tone: Mild, Medium, or Spicy ️- Send straight to WhatsApp with one tap- Regenerate until the message is just right

SPLIT BILLS IN SECONDS- Split trips, dinners, movies, and group expenses equally- See each person's share instantly- Turn any split into tracked debts with one tap- AI Take: a witty summary of every split

RECORD PAYMENTS & SETTLE UP- Log partial payments with full payment history- See remaining balance and total paid for every person- Settle All with one tap when you're square- Export any debt as a shareable image card

STATS THAT MAKE MONEY FUN - Financial Insights: owed to me, I owe, net balance, all-time settled- Debt Recovery Rate — how good are you at getting paid back?- Monthly lending trend chart- Debt Leaderboard — who owes you the most?- Most Trusted friend and Worst Offender badges- AI Financial Take — witty insights into your lending habits

SMART NOTIFICATIONS- Daily reminders for overdue debts- Weekly debt summary- Payment alerts when a debt is nearly settled

YOUR DATA, SAFE & PORTABLE- Cloud backup and sync with Google Sign-In- Export all debts to CSV- Multi-currency: $, €, £, ₹, ¥, ₩ — perfect for friends worldwide- Multiple languages, plus Light and Dark themes

PERFECT FOR- Friends who always “forget” to pay you back- Roommates splitting rent, groceries, and utilities- College students tracking trip and food money- Couples and coworkers managing shared expenses- Anyone who lends money and wants it back — nicely

Stop being the friend who never gets paid back. Download DebtPayoff Pro and get your money back — with a smile.

DebtPayoff Pro is a personal record-keeping tool for informal IOUs between friends. It does not provide loans, credit, payments, or money transfers, and never connects to your bank account.