Creditum - Track what you're owed

Creditum keeps track of what you lend and borrow with friends and family, so nobody has to remember it or bring it up. Balances, history and what each loan was for all live in one place on your phone.

Features

• Simple dashboard: See at a glance how much you’re owed and how much you owe. All your balances in one place.
• Overview: Follow lending and repayments over time, so you can see how a balance got where it is.
• Transaction history: Every loan is recorded with its details, so you know exactly what each transaction was for.
• Settle up: Mark a debt as settled with a tap when someone pays you back.
• Share a reminder: Send someone what they owe you, without having to bring it up yourself.
• Automatic backups: Creditum backs up on its own after changes, and you can still export and restore by hand whenever you like.
• App lock: Unlock with your fingerprint or face, so nobody who picks up your phone can read your balances.
• Dark mode: Choose light, dark, or follow your system settings.

Privacy

Creditum is built so your finances stay where they belong:

• No account required
• No internet connection needed
• All data stays on your device
• No ads or tracking
• Contact access is optional, and used only to autofill names

Data Storage

Everything is stored locally in a SQLite database on your device. Nothing is uploaded automatically, and nothing leaves your phone unless you save a backup somewhere else.