Debt Ledger
Track personal IOUs, formal 1:1 loans or split group expenses inside one room. Pick a mode at creation - Solo for a private ledger, Contract for a 1:1 agreement with handshake-style acceptance, or Group for Splitwise-style multi-member splitting with per-share settle-up. Each mode tailors the flow, permissions and contract notice to the actual relationship.
Three modes - Solo, Contract, Group
Pick the right mode at creation. Solo for a personal ledger you own, Contract for a 1:1 agreement, Group for many-person expense splitting.
Group splitting with settle-up
Add an expense, choose participants and split equally or by exact amounts. Net balances per member and direct repayments make settle-up unambiguous.
Repayment tracking
Log partial or full repayments. Running balances update automatically and the full history stays intact.
Locked at creation
Transparent records
Why use Debt Ledger?
Three modes mean one module covers everything: a private "evidence" log of who owes you what, a formal one-to-one loan with handshake-style acceptance, or a fully shared group expense splitter for trips, flatshares and clubs.
Structured fields, automatic running balances and per-share settle-up replace messy chats and spreadsheets - everyone stays aligned and money conversations stay short.
Friends, trips and dinners
Group mode tracks who paid for the restaurant, the Airbnb or the rideshare, then surfaces a clean settle-up at the end.
1:1 loans and family transfers
Contract mode for a serious one-off loan; Solo mode to keep an evidence log for casual ones.
Shared apartments and clubs
Group mode handles utilities, groceries and shared purchases with members marking their own share paid.
Frequently asked questions
Is Debt Ledger free?
Debt Ledger is part of paid plans (Premium & Family). It delivers structured logging across three modes, member roles, group splitting and transparent balance history that go beyond plain notes or spreadsheets.
Can I change the mode later?
No. Mode is locked at creation because each mode has different permissions, member rules and contract notices. Pick the one that matches the real relationship before inviting anyone.
How does Group settle-up work?
Each expense has a payer and per-participant splits. The room shows each member's net balance; direct repayments between two members close out balances cleanly.
Is there a Debt Ledger app for Android and iPhone (iOS)?
Yes. Works on mobile and web with real-time sync so all parties always see the same numbers.
What makes Listub one of the best IOU / debt tracker apps?
Three purpose-built modes, member roles (owner, participant, viewer), per-share settle-up, transparent records and fast switching between personal evidence logs and shared splitters.