Lisbon trip
Dinner at Cervejaria
Food
€62.13They owe
Due in 12 days
Shared expenses, finally clear.
Debtly helps travelers, roommates, couples, and friends track who owes what without spreadsheets, awkward messages, or mental math.
- Groups
- Labels
- Split options
- Currencies
- Activity
- Settlement
Lisbon trip
Lisbon trip
Airport taxi
Transport
€24.00You owe
Pay now
Ana Soler settled up2 min ago
Your balance+€186.37They owe €210.37You owe €24.00
One expense. Everyone keeps the context.
The amount, people, group, and activity stay together, so nobody has to rebuild the story later.
Debts
Every debt, with its context
The amount, the people it involves, its labels, when it is due, and how much is already paid.
Reconciliation
Who owes whom, netted
Balances you need to pay, balances owed to you, and the ones running between other members.
Activity
The history behind the number
Payments, new debts, and approvals in the order they happened, so a detail can be checked later.
From expense to clear next step.
One taxi in Lisbon, from the moment it is paid to the moment it is closed.
- Paid
Tomás pays for the taxi
€24.00 to the airport, split four ways. He adds it while everyone is still in the car, so nobody has to remember it later.
- Shared
It reaches everyone at once
María, Ana and you each see €6.00 waiting on your own home screen — one balance to act on, not a message asking you to remember.
- Settled
One payment, not four
Debtly works out who pays whom. You send Tomás €6.00, and the debt closes for everyone at the same time.
- Recorded
The answer stays put
Who added it, who paid, and when — kept with the expense itself, so a question three weeks later already has an answer.
Made for the expenses you already share.
Debtly fits the plans, homes, and relationships where shared costs already happen.
Trips
Keep the trip visible: what is open, who is involved, and which way the balance is moving.
Roommates
Create a home group so rent, utilities, groceries, and household purchases stay together.
Couples
See who covered what and return to the shared balance without reopening the whole conversation.
Friends and events
Record who paid and who shares the gift, tickets, or table while everyone remembers.
More help for the expenses you already share.
Start with a clear shared record. When the same chores come back, Premium gives you more ways to stay on top of them—without changing how your group works.
One Premium experience. Choose how many people get it.
Every seat includes the same Premium features. The payer occupies the first seat and can invite the rest.
Individual
1 account$39.99 / year
Join the waitlistDuo
2 people total$54.99 / year
Join the waitlistCircle
Up to 5 people$79.99 / year
Join the waitlistTeam
Up to 10 people$119.99 / year
Join the waitlistAnnual plans save about 33% compared with paying monthly.Eligible new subscribers can start with a 7-day store trial. Prices below are US anchors; your mobile store shows the final local price before purchase.
Free
Everything you need to add an expense and understand the balance without a spreadsheet.
- Manual expense tracking
- People and groups
- Flexible splits and currencies
- Labels and filters
- Activity and settlement
Premium
Everything in Free, plus more room for follow-up, context, and clarity.
- Includes everything in Free
- Reminders and recurring expensesIncluded
- Multiple groupsIncluded
- Photo attachmentsIncluded
- Insights and statisticsIncluded
- Ad-free trackingIncluded
- Exportable summariesIncluded
- Advanced trip organizationPlanned
- AI debt creation and receipt scanningPlanned
| Compare what changes | DebtlyFree Everything you need to add an expense and understand the balance without a spreadsheet. | DebtlyPremium Everything in Free, plus more room for follow-up, context, and clarity. |
|---|---|---|
| Everything in FreeManual tracking, people and groups, splits and currencies, labels, filters, activity, and settlement. | Debtly Free: Included | Debtly Premium: Included |
Reminders and recurring expensesSet reminders for money owed, money due, and recurring expenses. | Debtly Free: Not included | Debtly Premium: Included |
Multiple groupsKeep trips, homes, and other shared circles separate and organized. | Debtly Free: Not included | Debtly Premium: Included |
Photo attachmentsAttach photos and receipts to the expense they explain. | Debtly Free: Not included | Debtly Premium: Included |
Insights and statisticsUse insights and statistics to understand how a group is moving. | Debtly Free: Not included | Debtly Premium: Included |
Ad-free trackingAdd more than three debts a day without stopping to watch an ad. | Debtly Free: Not included | Debtly Premium: Included |
Exportable summariesExport summaries when you need to share or archive the group story. | Debtly Free: Not included | Debtly Premium: Included |
Advanced trip organizationUse advanced group organization when a weekend becomes a whole itinerary. | Debtly Free: Not included | Debtly Premium: Planned |
AI debt creation and receipt scanningCreate a debt with natural language or scan a receipt. | Debtly Free: Not included | Debtly Premium: Planned |
The record is yours to check.
Debtly keeps a shared history you can review, correct, and take with you.
Clear records keep friendships easier.Payments wait for your approval
A payment someone logs against you needs your approval, unless you have marked them as trusted.
You can correct it
Review and update the expenses and context you create.
Your history can leave with you
Export debts, groups, payments, labels, and activity as one snapshot. Full-history exports are a Premium capability.
Frequently asked questions.
What is Debtly?
Debtly is a mobile app for tracking shared debts, expenses, balances, and activity between people and groups.
Does everyone in the group need Debtly?
No — you can add anyone as a manual contact and keep the record yourself. But Debtly is better with friends: a participant linked to an app account sees the shared group, records their own payments, approves settlements, and can be sent a reminder. A manual contact does none of that, so invite the people you share with most.
Can I split unevenly or use different currencies?
Yes. A debt carries its participants, amount, currency, date, labels, group, and flexible split options.
What will Premium cost?
US anchor pricing starts at $4.99 monthly or $39.99 yearly for Individual. Duo, Circle, and Team plans let one payer share full Premium access with 2, 5, or 10 people total. Your mobile store shows the final localized price.
Is Debtly a bank or payment app?
No. Debtly records and explains shared expenses. It does not hold money, lend money, or process payments.
