Personal debt ledger
Record debtor and lender details, amount, currency, due date, terms, witnesses, attachments, private notes, edits, cancellations, forgiveness, and completion status.
Islamic record-keeping for money owed
EthicPay
A practical debt-management app for personal debtor/lender records, shared group expenses, repayments, settlements, nominees, and clear activity history.
Open balance
INR 12,450
Personal and group records stay separate
RecordDebt #108
GroupFamily trip
Next actionSettle up
Activity
Payment saved locally
Syncs automatically when online
Current app features
Built for records people can review, correct, and settle.
Repayments and settlements
Add payment records with dates and evidence notes, track remaining balances, withdraw or edit eligible payments, and export a debt statement PDF.
Group expenses
Create groups, add members, split expenses equally, exactly, or by percentage, record group settlements, rename groups, and delete groups after they are fully settled.
Simplified group repayments
EthicPay can reduce unnecessary repayment steps inside a group while preserving every member's final balance and keeping the original expenses unchanged.
Nominee sharing
Add trusted nominees with limited visibility into debts you owe or money owed to you, without confusing nominee access with account ownership.
Realtime and offline support
Shared debt, payment, group, notification, and activity updates refresh across devices. Local changes can be queued and synced automatically when the connection returns.
Ethical reminders
Guided by clarity, repayment intention, and mercy in hardship.
EthicPay includes Islamic reminders about documenting deferred debts, fulfilling promises, communicating early, and giving time when someone is genuinely unable to repay.
Write it downKeep terms visible instead of buried in messages.
Keep both sides clearDebtor and lender records show roles, balances, and activity.
Settle responsiblyRecord payments and group settlements with a visible trail.
Publishing links
Required public pages
Need help?
Contact EthicPay support
For account, privacy, deletion, security, or app-support requests, email us from your registered EthicPay address when possible.