Mutally

Mutally is a mutual debt book that lives in ChatGPT. Say who owes whom in one sentence, such as "I lent Aziz 50 dollars for lunch", at the moment money changes hands, and Mutally records it in your book. Send the other person an invite link yourself; once they open it, sign in and approve, the two of you are connected and see the same numbers. Later entries between you arrive on their side as requests to approve, or to dispute with a note; a disputed entry stays marked until it is corrected or deleted. Record loans, repayments, gifts and opening balances in any currency, split a bill between several friends, note money you collected or paid on someone else's behalf, and set up a recurring debt or an installment plan whose monthly charge appears on its day. Keep a rotating savings group (gap) or a chip-in collection with members, rounds and collectors, and group entries into projects such as a wedding. Then ask: who owes me, whom do I owe, what is overdue, what is waiting for my answer, what is the history with one person. Bring in earlier history from a spreadsheet after a preview, export everything as Excel or CSV, correct or delete an entry and undo it, and delete your account. Available in 11 languages, including Uzbek. For anyone who lends, borrows, splits bills, pools money or keeps a shop tab. Mutally only records and calculates: it never moves money, takes payments, charges or collects fees, adds interest or messages anyone, and it is not a bank or a debt collector. People who do not use Mutally appear only by the name you give them and the entries about them. You connect a Mutally account before anything is stored; your records are kept on Mutally's server in Germany (EU) and are deleted whenever you ask.