Made a free money tracker after my friend got stuck with BNPL + credit-card debt. Sharing here in case anyone needs it

Hi everyone,

A friend of mine was really struggling last year. BNPL plans piling up, credit-card debt, no idea where his money was going every month. I built him a Malaysia-specific Excel sheet to track his cash flow, list out his debts, and figure out which one to attack first using the avalanche method (highest APR first). It actually helped him.

Instead of letting it die in Google Drive, I turned it into a free web app for anyone. It’s called Duitful: https://duitful.app/

What’s in it:

•	Income, expenses, debts, savings on one screen

•	BNPL/instalment tracking (Atome, SPayLater, Grab PayLater)

•	Avalanche debt-payoff calculator

•	Receipt OCR (Pro feature)

•	Multi-currency for SG/Thailand trips

•	Encrypted on your phone, no sign-up, no cloud, no ads

About the price: free tier covers the basics. Pro is RM 19.90 one-time, no subscription. The price exists to pay for the Apple Developer license ($99/year) and Google Play console fee ($25 one-time) so I can ship the native apps when there’s demand. iOS and Android apps not on the stores yet. Say so in the comments if you’d want a native version, that’s the signal I need.

Being upfront: most of the code was written with help from Claude Code (an AI coding assistant). The idea, the spreadsheet for my friend, and every shipping decision are mine. Source is fully public on GitHub if anyone wants to check: https://github.com/AydilJoe/survey

Not asking for downloads or signups. Just sharing in case anyone here is in the same spot my friend was last year. Feedback welcome.