Debt awareness

Track who owes who. Keep the conversations measured.

Money you owe and money owed to you, in one quiet ledger. Risk-aware reminders, due-date awareness, and a message drafter that helps you raise the topic with a tone that fits the relationship.

Debt detail with a draft chase message

Owed to you

"This debt is 12 days past the original date. Three previous reminders sent."

You owe

"You owe a friend £125 since May. A short acknowledgement helps preserve the relationship."

Risk

"This debtor has missed two repayment dates already. Treat further lending carefully."

A measured way to raise awkward topics

Stingy AI can draft the reminder message in a tone you choose — polite, firm, casual, formal, or pidgin — and share it via your usual channels. Every chase is logged, so escalation feels considered rather than reactive.

  • Direction-aware: messages differ for "I owe" vs "they owe me".
  • Risk awareness — repeated missed dates trigger a soft warning before further lending.
  • A full history of chases so you know exactly where you stand.
  • Mark partial repayments, settlements, or write-offs.
Acknowledging a debt you owe

Next feature

Family support tracking

A first-class module for supporting the people around you.

Continue

Back to overview

See every feature

Browse the full set of behavioural-finance modules inside TrackAm.

Ready to try it?

Behavioural intelligence in your pocket.

Download on the App Store Get it on Google Play