Remember who owes you, and who you owe.
Lending a friend cash, or borrowing for a month, is easy to forget. SmartWalt Obligations keeps money you are due to receive and money you need to pay in one clear list, with due dates and part payments.
- Separate totals for To receive and To pay
- Due dates and Partially settled status
- Part payments show how much has been paid
Free to download · 14-day free Pro trial, no card · No bank login required
Add it once, see it until it is settled
Obligations track money between you and other people, separate from your everyday expenses and bills.
- 1Open Plan, choose Obligations and tap Add.
- 2Enter the person, the amount, whether you are owed or you owe, and a due date.
- 3Record payments as they happen. Part payments move the item to Partially settled.
Totals and filters
At the top you see the total you are due to receive and the total you need to pay. Filter the list by All, To receive or To pay to focus on one side.
Because obligations are tracked on their own, a loan to a friend does not distort your monthly spending picture.
Bills are for companies. Obligations are for people.
Use Bills for recurring payments such as electricity, internet or a gym membership. Use Obligations for informal money between you and friends, family or colleagues.
What's free and what's Pro
Free
- Obligations: To receive and To pay
- Due dates and part payments
- Budgets, bills, goals and ledgers
- Manual expense logging and CSV and PDF exports
Pro
$4.99/month or $49/year · 14-day free trial, no card
- Voice expense tracking
- Unlimited receipt scanning and Walt chat
- AI insights and anomaly detection
- AI bill optimization
Good to know
- SmartWalt is a record-keeping tool. It does not move money, send payment requests or remind the other person for you.
- Entries are what you add yourself. Nothing is imported from your bank.
- SmartWalt is available on Android. An iOS version is not yet released.
Frequently asked questions
Can I track partial repayments?+
Yes. Record part payments and the item shows as partially settled with the amount paid so far.
Does it track money I lent and money I borrowed?+
Yes. Entries are marked To receive or To pay, with a total for each.
Is Money owed free?+
Yes. Obligations are available on the free plan.
Does SmartWalt contact the other person?+
No. It is a personal record for you. It does not message or charge anyone.
Try it on your own spending
Download SmartWalt and record your first expense. No bank login, no credit card.
Get it on Google Play