Appworthy
App Store
Version 1.2.5 · 2026-08-25
Thank you for using Utang! With this update, you can now edit payments and choose from new card summary view options. We’ve also fixed some bugs and made minor improvements for a smoother experience.
Store ratingNo rating
PriceFreeIn-app $4.99
Age4+Store age rating
Size58 MBiPhone download
CategoryFinance
DeveloperMARK CAGUIOA
What we found
Full reportToo little checked to say Store information only. We haven’t analysed this app or read its reviews yet.
Money
- Free to download · in-app purchases $4.99 (1 listed).
- If you subscribe through the store, cancel in iPhone Settings → your name → Subscriptions. Deleting the app doesn’t cancel a subscription.
Not yet tested.
The store currently lists version 1.2.5, updated 2026-08-25.
Preview
Store screenshots supplied by the developer.
About this app
Utang: Credit & Debt Tracker helps you stay on top of money you owe and money owed to you — all in one simple, organized app.
Whether you’re lending to friends, tracking personal loans, or managing small debts, Utang gives you clarity and control without complicated accounting.
Key Features:
- Track debts and credits separately
- Add people with contact details and notes
- Record payments and see remaining balances instantly
- Set payment reminders so you never forget
- View transaction history per person
- Clean and simple interface designed for everyday use
- Works fully offline. Your data stays on your device
Privacy First
Utang does not require cloud accounts. All data is stored locally on your device, giving you full control and peace of mind.
Perfect For
- Friends and family loans
- Personal debt tracking
- Small informal lending
- Anyone who wants clarity with money…
From the developer’s store description.
For developers and the curious
The full report
The evidence, sources, measurements and versions behind every label above.
Findings and evidence
Not yet tested. No analysis has been published for this app. A missing label is not a clean bill of health.
What reviewers report
No review analysis published for this app.
Measurements
“Not assessed” means we could not measure it. It is never a zero and never a pass.
From store data and reviews
Developer replies to reviews
Not assessed
Fewer than 50 reviews scanned — too few to state a rate
Price in the store description
The store description doesn’t list prices (most don’t)
Cancelling, in the store description
The store description doesn’t say how to cancel (most don’t)
Themes reported by reviewers
Not assessed
This app's reviews have not been assessed yet
Five-star share of ratings
Not assessed
No rating histogram has been captured for this app
In the app package we scanned
No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence, not a finding.
Sensitive permissions
Not assessed
No package has been scanned for this app
Analytics or tracking SDKs in the scanned package
Not assessed
No package has been scanned for this app
Advertising SDKs in the scanned package
Not assessed
No package has been scanned for this app
How we know
Supporting measurements: not a complete list of possible harms or positives. Measurement vocabulary 1.4 · how these are measured
Versions and dates analysed
Not yet tested. No analysis has been run for this app, so there is no version or date to report.
Store update history
Each store’s release notes, as the developer wrote them. They are the developer’s words, not ours.
Assessment record
- Status
- Not yet tested
- App identifier
utang- Sources used
- None recorded
- Reviews read
- None recorded
- Package examined
- No package scan
- Human inspection
- Not completed
How we know
- Measurement vocabulary
- 1.4
Store facts
What the stores publish. Store ratings are the stores’ numbers, not Appworthy’s, and are never averaged across stores.
App Store
- Store rating
- Not supplied
- Version
- 1.2.5
- Updated
- 25 Aug 2026
- Price
- Free · In-app purchases
- Age rating
- 4+
- Size
- 58 MB
- Developer
- MARK CAGUIOA
- Category
- Finance
- Listing price
- Free · In-app purchases
Purchases the store lists
What this app sells
From the store listing. Billing terms are read from each purchase’s name — the stores don’t publish them — so treat them as a strong hint, not a disclosure.
Buy once1
Utang Ad-Free LifetimeLifetime$4.99
Method and limits
What a missing label means
Not yet tested. No analysis has been published for this app, so there is no method to describe for it yet. A missing label is not a clean bill of health: it means nothing has been read, not that nothing is wrong.
Limits of this report
- A package scan is static. It identifies code and text in one Android build. It does not measure a live ad session, test a deletion request, or count the steps needed to cancel.
- Reviews keep their sample. A review-only charge shows distinct reviewers, the share and the sample size, and is published only once it clears that label’s published threshold. Calibration labels are machine-drafted and not yet confirmed by a person.
- Not assessed is a state. It is never a zero and never a pass.
- A missing label is not a clean bill of health. It means the evidence did not support one, not that the app is problem-free.
Not yet human-reviewed. A human review gives an app hands-on, recorded measurements. None has been run for this app. Hands-on inspections are not yet open.
Request a correction
Write to [email protected], or use the form. Name the finding, the app version and the evidence that needs correcting. Factual corrections are free and never depend on buying anything.