UP: Debt & Credit Tracker

Utang Piutang Tracker (UP: Debt & Credit Tracker) helps you keep track of who owes what and when it's due — no more notebooks, and your data never leaves your phone.

QUICK ENTRY
• Pick a contact from your phone or type a name manually
• Log a receivable (money you lent) or a debt (money you borrowed), with due date & notes
• Payment history per contact, with remaining balance & paid/partial/unpaid status

SCAN TRANSFER PROOF
Upload a transfer screenshot and the amount is detected automatically — no manual retyping.

TRUST SCORE PER CONTACT
See each contact's payment reliability history (Always on Time, Fairly Reliable, Often Late, No History Yet) — private, visible only to you.

DUE DATE REMINDERS
Automatic summary notification for transactions due this week.

SEND RECEIPTS VIA WHATSAPP
Confirm a payment straight to the contact's WhatsApp, ready-to-send text you can still edit before it's actually sent.

SECURE & PRIVATE
• Encrypted database (SQLCipher), key stored in Android Keystore (device-bound, non-exportable)
• Lock the app with fingerprint/face/PIN (optional)
• Screens are automatically protected from screenshots/screen recording when showing amounts/contact names
• All data stays LOCAL on your phone — no server, no account, nothing sent anywhere
• Manual backup/restore with your own encrypted passphrase

AUTOMATIC LANGUAGE & CURRENCY
The app follows your device's language & currency automatically — use it in Indonesia or anywhere else, it stays comfortable to use.

Utang Piutang Tracker is for anyone who lends or borrows money with friends, family, or colleagues, and wants a clear record both sides can rely on — no more manual math or forgetting who owes what.