Hi Product Hunt,

I'm Asyraf, and I made MyHutang. "Hutang" is the Malay word for debt.

In Malaysia, lending money to friends and family is normal. Keeping track of it is the awkward part. I used to keep notes on my phone and scroll back through WhatsApp chats to work out who still owed me what, and sometimes I forgot money I owed too.

So I built a small app for it. You add a person, record what was lent or borrowed, and log payments as they come in, even small ones. The app works out what is left.

What it can do:

Debts both ways: money you lent and money you owe, with what is due, overdue and settled
Part payments: one payment can clear several debts, oldest first
Receipts and statements: share an image or a PDF on WhatsApp, with 10 receipt designs
Reminders: get one before a debt is due, and send a polite WhatsApp reminder in one tap
Monthly commitments: rent, bills and other things you pay every month, in one list
Split bill: split a meal or a trip, and each person gets their own share to pay back
20 languages, including Malay, Indonesian, Arabic, Hindi, Chinese, Japanese and Swahili
A home-screen widget, and an Apple Watch app for your balance and quick payments

A few things I cared about:

No sign-up and no server. Everything stays on your phone, encrypted. Backup to Google Drive or iCloud is there if you want it.
It works offline.
It is free, with no ads.

It started on Android and is now on iPhone, iPad and Apple Watch as well. A backup made on Android opens on iPhone, and the other way round.

I would love to hear how you keep track of money with friends today, and what would make you switch.