I built PocketLedger because small shop owners and freelancers kept telling me the same thing: tracking who owes them money still means a paper notebook, memory, or endless WhatsApp scrolling. No account, no sign-up, works fully offline. Log credit given, payments received, see balances instantly, and send WhatsApp or SMS reminders with one tap. Free for up to 10 customers. Built for shop owners, freelancers, and anyone lending money informally.