Debt Ledger
Listub is a debt tracker app free to start with, for money that moves between people rather than through a bank. Pick a mode when you create the room: Solo for a private record only you keep, Contract for a one-to-one agreement both sides accept, or Group for splitting costs across several people with a per-share settle-up. Listub records the amounts you enter - it never touches an account or moves the money for you.
Three modes - Solo, Contract, Group
Solo is the IOU app you keep for yourself: a quiet, dated record of the twenty you fronted. Contract is a one-to-one agreement both people accept. Group is for costs shared across a whole table.
A split expenses app built into the room
Add a cost, choose who was in on it, and split it evenly or by exact amounts. Everyone gets a net balance, and a direct repayment between two people closes it out.
Repayment tracking
It works just as well as a borrowed money tracker from the other side. Log a part payment or the whole thing, and the running balance updates itself while the history stays untouched.
Locked at creation
Transparent records
Why use Debt Ledger?
Most people want a who owes me money app and end up with a note that says "Tom 40" and nothing about when or what for. Three modes cover the whole range instead: a private record of what you are owed, a formal one-to-one loan both sides agreed to, and a shared splitter for trips, flatshares and clubs.
Proper fields, balances that add themselves up and a clear per-share settle-up replace the chat scrollback and the spreadsheet. Everyone sees the same numbers, so the money conversation is over in a sentence.
It is a record, not a bank. Listub does not connect to your accounts, does not process payments and does not give financial advice - you decide what a debt is worth and how it gets repaid, and Listub keeps the paperwork straight.
Friends, trips and dinners
Group mode keeps track of who paid for the restaurant, the apartment and the rides, and hands you a clean settle-up at the end of the trip.
One-to-one loans
Contract mode for the serious one-off loan with a date on it; Solo mode to quietly note the casual ones you would rather not make a whole thing of.
Shared apartments and clubs
A shared expenses app for roommates and small clubs: utilities, the big grocery run and anything bought for the flat, with each person marking their own share paid.
Frequently asked questions
Is there a debt tracker for Android?
Yes. Listub runs on Android phones and tablets, and everyone in a shared room sees the same balances.
Does it work on iPhone and iPad?
Yes, on iPhone and iPad too, plus the web. Add the expense at the table and check the balance later on a laptop.
How do I track money friends owe me?
Make a Debt Ledger room, add each amount with a date and a short note, and log repayments as they come in. The balance per person is always current, so you never have to reconstruct it from memory.
Can I change the mode later?
No. The mode is locked when the room is created, because each one has different permissions, member rules and notices. Pick the one that matches the real situation before you invite anyone.
Does Listub handle the payment itself?
No. Listub is a ledger: it records what you type in. Paying each other back happens however you normally do it, and you mark it here once it is done.
Can I share my rooms with family or friends?
Sharing your own rooms is a Premium feature. On the free plan your rooms are yours alone, on your own device, and you can't invite anyone into them - but you can always join a room that a Premium member shares with you and use it fully.
Add it by just asking
No forms, no menus. Tell Listub AI what you want and it lands here, ready to go.
Try saying…