MyHutang: Debt & IOU Tracker

DISCLAIMER: MyHutang is a personal record-keeping app for tracking debts and IOUs. It does NOT offer loans, credit top-ups, or connect users with lenders. MyHutang — "hutang" is Malay for debt — is a private debt manager for everyday IOU records, personal lending, and monthly commitment tracking. Track who owes you, who you owe, and every payment in one place — plus your recurring monthly bills. MyHutang helps you stay organized with reminders, clear history, and secure offline storage. TRACK BOTH DIRECTIONS - Money owed to you and money you owe, in one running balance - Partial payments and full settlement, with the complete payment history kept - Debts organized by contact, with notes, due dates and balance summaries - Search and filter by type or status to find any record fast - Optional interest when you need it: one-time, periodic or compound - Optional Islamic finance (riba) notice when you enable interest on a debt SEND A RECEIPT INSTEAD OF A REMINDER - Share a PDF receipt for a single payment, or a full statement with the whole history - Ten receipt designs, from a compact till slip to a full A4 statement - Make each one yours: your own accent colour, document titles, name and footer - Send it straight to WhatsApp NEVER MISS A DUE DATE - Local due-date reminders at a time you choose - WhatsApp payment reminders sent straight from a debt record - Monthly commitments for recurring bills and subscriptions (rent, loans, utilities, streaming), with a paid/unpaid overview each month SEE THE WHOLE PICTURE - Cash flow charted month by month - Payment progress split between what you lent and what you owe - Insights: average and largest debt, settlement rate, and the one sitting unpaid longest - A home screen widget for a quick balance snapshot PRIVATE BY DESIGN - No account, no sign-up, no MyHutang server - Core debt tracking works fully offline - AES-256 encrypted database, with optional PIN and biometric lock - Hide amounts on screen, or turn on screenshot and screen-recording protection - No ads and no tracking MAKE IT YOURS - Dark mode and 20 colour schemes - Pick from the world's currencies, or set your own label - Split bills equally or by a custom amount per person - Turn features on or off to keep only what you use - Available in English, Malay, Indonesian, Filipino, Chinese, Thai, Hindi, and Arabic BACKUP AND EXPORT - Encrypted backups to your own Google Drive, on a schedule you choose - Or save a portable backup file to your device - Export your data to CSV or JSON at any time MyHutang is completely free to use with no ads, no subscription, and no paywall. USE CASES - Personal debt tracking - IOU reminders - Friends and family lending records - Informal records of what customers owe a small business - Recurring bills and subscription reminders If you need a simple, private debt and commitment reminder app, MyHutang keeps your records accurate and easy to manage.