Loan Manager & Debt Tracker

This app does not offer loans, credit or chit fund services. It is a personal record-keeping tool only.
Lent money to a friend and lost track? Fexo Loan Manager is a private loan manager and tracker that remembers every rupee, dirham or dollar for you. Record money you lend or borrow, log each repayment, and watch a clean running balance build for every person. No account, no server, no spreadsheet: just a simple loan record book that lives on your phone.
Fexo works as a complete debt tracker for personal debts between friends, family and small businesses. Think of it as a digital udhar khata book, offline and fully encrypted, that doubles as an IOU manager. Whether you run money lending from a small shop or track money you borrow from relatives, this loan management app keeps amounts, history and due dates in one place.
Never chase payments awkwardly again. The app reminds you before a due date and when a payment is late, and “Remind everyone who’s late” opens WhatsApp with a polite, ready message. Add your “How to pay me” details once and every reminder and statement tells people exactly how to settle up.
🔑 KEY FEATURES
💸 Record money lent or borrowed with due dates, notes, tags, guarantors and custom fields
🧮 Optional interest: simple, compound or a fixed amount, with the maths explained, plus a loan calculator and installment schedules (weekly, every 2 weeks, monthly or custom) that work like an EMI calculator for plans you can reschedule
✅ Log full or partial repayments, mark them confirmed or only claimed, and reverse entries without losing history
👥 People list with running balances, statements, and settle up or offsetting of mutual debts
⏰ Due and overdue reminders, daily, weekly or monthly summaries, and exact time alarms
📲 Polite WhatsApp or share sheet reminders drafted for you, one late person at a time
🤝 Committee app tools for BC and group savings: a committee manager and committee book that tracks who paid each round and who gets the pot
🧾 Split bill calculator: split bills with friends so each person owes you their share
📚 Lent items: track books, tools and chargers with return date reminders
📄 Loan agreement (IOU) PDF both people can sign on the phone, plus encrypted receipts, photos and documents attached to each loan
📤 PDF and CSV statements, a full loan ledger account book view, reports, a due date calendar, history and search
🏦 Debt payoff planner and tracker for money you borrowed: snowball, avalanche or custom order with your debt free date, working like a debt payoff calculator that plans every payment
🔒 App lock with PIN, fingerprint or face unlock, auto lock, hidden balances and screenshot blocking
💾 AES 256 encrypted backups you control: automatic snapshots, save to Downloads, or automatic backup to Google Drive, OneDrive or an SD card
🌍 Multiple currencies and exchange rates, multiple profiles, home screen widgets, app shortcuts and 30 day trash recovery
Why choose Fexo? Because who owes you money is nobody’s business but yours. This debt tracker works offline, stores everything only on your phone with encryption, and never asks you to create an account. The Fexo team builds practical tools that respect your privacy, and this lightweight apk installs fast and stays easy on your battery.
Fexo Loan Manager is a debt manager and tracker for real life: the friend who forgot, the cousin paying in installments, the shop customer on udhar khata, the committee you run with neighbours. One loan tracker app for all of it, and a loan record app you can trust with the full story.
Download the Fexo Loan Manager app today, add your first loan in under a minute, and relax: your loan manager remembers so you never have to.