Utang: Credit & Debt Tracker helps you stay on top of money you owe and money owed to you — all in one simple, organized app. Whether you’re lending to friends, tracking personal loans, or managing small debts, Utang gives you clarity and control without complicated accounting. Key Features: - Track debts and credits separately - Add people with contact details and notes - Record payments and see remaining balances instantly - Set payment reminders so you never forget - View transaction history per person - Clean and simple interface designed for everyday use - Works fully offline. Your data stays on your device Privacy First Utang does not require cloud accounts. All data is stored locally on your device, giving you full control and peace of mind. Perfect For - Friends and family loans - Personal debt tracking - Small informal lending - Anyone who wants clarity with money Stop guessing. Start tracking. Utang makes debt and credit simple.