Zekro: Debt Tracker & IOUs

Know who owes what — and what comes next.

Zekro helps you track money you lend and borrow, from the first entry to the final payment. Keep debts, balances, due dates and supporting documents organized by person.

No account required. No ads. Everyday debt tracking works offline.

EVERY DEBT, CLEARLY TRACKED

• Record money lent or borrowed.
• Keep multiple debts organized under each person.
• Track partial payments and the remaining balance.
• See what is due today, coming soon or overdue.
• Search and filter active and settled debts.
• Keep each currency separate, without mixing balances.

PAYMENTS AND REMINDERS

Record payments and see how much remains. Add due dates, installment plans and reminders to keep track of the next step.

Attach photos or documents to a debt. Share a friendly or formal reminder, with optional payment details to help the other person repay you.

SEE WHAT’S COMING

Check amounts due over the next 30 or 90 days. Cash-flow uses due dates, installments and recurring debts to separate overdue and scheduled amounts by currency.

It shows what is due — not a guarantee that a payment will arrive.

MANAGE RECURRING DEBTS

Keep recurring debt series in one place. Pause, resume or stop a series, and change future entries without rewriting existing debts.

SETTLE MUTUAL DEBTS

Owe money to someone who also owes you? Offset amounts in the same currency with a clear, reversible settlement.

Review the operation before confirming it and undo it if needed.

KEEP YOUR HISTORY

Annual history summarizes money lent, borrowed, received back and repaid, with each currency shown separately.

A correction log helps you follow changes to debts and payments. It is a practical personal record, not a tamper-proof or legal record.

YOUR DATA, YOUR CHOICE

Debt records are stored locally on your device. Zekro does not operate its own cloud service.

Use app lock with supported device authentication to add protection when opening the app.

BACK UP AND TAKE YOUR RECORDS WITH YOU

• Create password-protected, encrypted backups.
• Include attached photos and documents in manual backups if you choose.
• Preview backup contents before restoring.
• Export debts and payments to CSV.
• Review CSV imports before adding debts.

Save backups through Android’s file picker, on your device or with an available storage provider such as Google Drive or OneDrive.

Optional weekly automatic backups keep the latest five copies. They include your records, but not attached photos or documents. To include attachments, create a manual backup and select that option.

START FREE. UNLOCK LIFETIME.

Track up to 3 open debts for free. Unlock Lifetime with a one-time purchase to manage unlimited open debts.

No subscription. Restore your purchase with the same Google Play account when you reinstall or change devices. Move your debt records separately using a backup.

MADE FOR EVERYDAY IOUs

Money lent to friends. Shared costs awaiting repayment. Personal loans. Installment payments.

Keep a clear record of what you owe, what you’re owed and what remains to be paid.

Zekro is a record-keeping tool. It does not transfer money, provide loans or collect debts.