DueLog

I built a debt tracker app because my own "IOU system" was a WhatsApp thread and a bad memory

Hey IH 👋

Wanted to share something I've been building — not to pitch, but because I think the problem is more universal than people realize, and I'd love feedback from anyone who's dealt with it.

The problem

I run a small shop, and separately, I lend money to friends and family pretty often. For years my "system" for tracking both was:

A paper notebook that I'd inevitably lose or forget to bring

WhatsApp messages saying "remember you owe me 2000"

Just... memory, which fails constantly

The result was predictable: forgotten debts, awkward "wait, did I already pay you back?" conversations, and a few real disputes where neither of us could remember the actual number.

I looked around for an app to fix this and found two kinds:

Bloated business accounting software with a huge learning curve

Barebones "expense tracker" apps that weren't built for two-way lending/borrowing at all

Nothing was built specifically for the "who owes who, and can I prove it" problem.

What I built

DueLog — a simple ledger for money you lend and borrow, with automatic running balances per person.

Core stuff:

Add a lend/borrow entry in a few taps, balance updates automatically — no manual math

Attach a photo of the receipt or bill, or a voice note, so there's actual proof behind every entry

Import contacts so you're not retyping names

Works fully offline (most of my own use happens with spotty internet)

Separate "Personal Wallet" vs. business ledgers, since I needed both and didn't want two apps

PDF statements + shareable transaction images, for when someone wants a record

What was hard

Getting the "proof" UX right. Money conversations get tense. I wanted evidence (photo/voice note) to feel like a normal part of logging an entry, not like you're accusing someone of anything.

Offline-first sync. Since a lot of my target users (myself included) don't have reliable internet, I couldn't just build a normal cloud-first app and call it done.

Deciding what's free vs. paid. Landed on: core tracking is free forever, Pro adds encrypted cloud backup, app lock, and ad-free. Didn't want to paywall the actual utility of the app — that felt like the wrong thing to do to people trying to sort out real money problems.

Where it's at

It's live on Google Play right now, early days, mostly used by people like past-me: small shop owners running informal credit, plus people lending to friends/family who got tired of the group-chat method.

Link if you want to poke at it: https://play.google.com/store/apps/details?id=com.convivator.duelog

What I'd love feedback on

If you've ever tried to solve this for yourself (formally or informally), what did you use, and where did it break down?

Anyone here dealt with the "proof of debt" problem specifically? Curious how others have handled disputes.

Is "digital khata" a phrase that makes sense outside South Asia, or should I not lean on it in copy aimed at a global audience?

Happy to answer anything about the build, the tech stack, or the decisions above.