ZEKRO · PRACTICAL GUIDE
IOU Tracker for Android
Whether you covered lunch, lent money to a friend or paid a family expense, Zekro helps record who owes whom and how repayment progresses.
Keep track of money lent between people
Create an IOU-style record with the person, amount, currency, date and optional due date. The information remains a practical personal record, not a payment request.
Record who owes whom
Direction matters. Zekro distinguishes money owed to you from money you owe, then summarizes the net balance per person.
Track shared expenses and reimbursements
Bill splitting can turn a shared cost into clear individual records. This helps with trips, meals, household costs and colleague expenses without processing the payment itself.
Follow repayments over time
Add full or partial repayments and preserve their history. The remaining amount stays visible after every recorded payment.
Keep your records private
The database stays locally on the device. Zekro needs no account and contains no advertising or analytics. You control PDF, CSV and encrypted backup files.
A record is not legal enforcement
Zekro helps organize information. An entry in the app does not by itself determine whether an agreement is legally binding or enforceable.
Frequently asked questions
What is an IOU tracker?
It is a tool for recording who owes whom, the amount, due date and repayment history.
Can I track money lent to friends or family?
Yes. Zekro is designed for manual records between people such as friends, relatives or colleagues.
Can I record shared expenses?
Yes. Bill splitting can help turn shared costs into individual records.
Does Zekro make an IOU legally binding?
No. Zekro is an organization tool and does not determine the legal enforceability of an agreement.