A debt tracker that remembers for you

Why track debts in a chat?

Small debts get forgotten because they only live in your head. A debt tracker works when adding an entry takes five seconds, and in WhatsApp it takes one message. There is no extra app to open and no spreadsheet to keep tidy.

How the WhatsApp debt tracker works

1. Write it down. “Ali owes me 500” or “I owe Mom 120, due Friday”.
2. Pick a date, or none. Add a due date, or leave the debt open-ended when there is no deadline.
3. Get a reminder. spending.chat messages you before the due date so you can follow up or pay on time.
4. Mark it paid. When it is settled, say so — each entry shows whether it is pending, due or paid.

What you can keep track of

• Money you lent: who owes you and how much
• Money you borrowed: what you owe and to whom
• Open-ended debts without a due date
• Reminders a day or more before the due date, as you choose
• Monthly repeats for amounts that come back every month
• Any currency

Who gets the reminders?

Only you. spending.chat reminds you in your own chat; it never contacts the other person. It also does not need access to your bank account or cards, because you simply tell it what happened.

Split a bill, track who owes

Text “dinner 90, split 3 ways”: your share is logged as spending and the others' shares as money owed to you. More on bill splitting.

Frequently asked questions

Can I track money people owe me?

Yes. Write who owes you and how much, add a due date if there is one, and you will be reminded before it is due.

Can I track what I owe too?

Yes. Debts you owe and debts owed to you are kept side by side, each with its own status.

Do I have to set a due date?

No. A debt can stay open-ended until you mark it as paid.