Akontaa

Remind easily your depts and your Owed

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Akontaa — Your Local Debt & Receivables Manager

Inspiration

In many communities, especially within informal economies, people frequently lend and borrow small amounts of money between friends, family, and colleagues. These transactions are rarely documented formally, which leads to confusion, forgotten repayments, and financial misunderstandings.

We observed a recurring pattern: small informal debts accumulate, partial repayments happen, and eventually no one remembers the exact remaining balance.

Akontaa was inspired by the need to introduce structure, clarity, and accountability into these everyday financial relationships — without the complexity of traditional accounting software.

What it does

Akontaa is a Flutter-based mobile application that helps users manage personal debts and receivables in a simple, structured, and reliable way.

1. Debt & Receivable Management

Users can:

  • Add debts (money they owe)
  • Add receivables (money owed to them)
  • Specify:
    • Person’s name
    • Total amount
    • Description
    • Due date

2. Partial & Full Repayment Tracking

Akontaa supports incremental repayments.

Let:

  • Total debt = ( D )
  • Payments made = ( p_1, p_2, ..., p_n )

The remaining balance is calculated as:

[ \text{Remaining Balance} = D - \sum_{i=1}^{n} p_i ]

The repayment completion rate is:

[ \text{Completion Rate} = \frac{\sum_{i=1}^{n} p_i}{D} \times 100\% ]

Each payment can include:

  • Payment method (cash, transfer, mobile money, cheque)
  • Exact payment date
  • Optional notes
  • Image proof (receipt or screenshot)

3. Event-Based Expense Sharing

Akontaa includes an event feature for shared costs.

If:

  • Total event cost = ( C )
  • Number of participants = ( N )

Then:

[ \text{Individual Share} = \frac{C}{N} ]

This simplifies cost splitting during group activities.

4. Intelligent History View

  • Filter by:
    • “My Debts”
    • “People Owe Me”
  • Group transactions by person
  • Visual progress indicators for repayment tracking
  • Structured repayment history per debt

5. PDF Export

Users can generate PDF reports of their transaction history with filtering options for better documentation and sharing.

6. Personalization & Localization

  • Multilingual support (French / English)
  • Light and dark themes
  • Fully offline data storage for privacy and accessibility

How we built it

Akontaa was developed using Flutter with a modular architecture for scalability and maintainability.

Technology Stack

  • Flutter SDK — Cross-platform development
  • Provider — State management
  • Shared Preferences — Local persistence
  • uuid — Unique ID generation
  • intl — Date & currency formatting
  • Image Picker — Payment proof attachment
  • Syncfusion DatePicker — Advanced date selection
  • pdf & printing — PDF report generation
  • tutorial_coach_mark — User onboarding guidance
  • flutter_native_splash — Custom splash screen

The architecture ensures consistent financial state recalculation after each transaction update, preserving data integrity.

Challenges we ran into

1. Designing a Flexible Financial Data Model

We needed to support:

  • Multiple repayments per debt
  • Partial settlements
  • Image attachments
  • Accurate recalculation logic

Ensuring consistency between total amount, payments, and remaining balance required careful state synchronization.

2. Handling Accurate Repayment Calculations

Floating-point precision and cumulative sums had to be managed carefully to avoid inconsistencies:

[ D - \sum p_i \geq 0 ]

Edge cases such as overpayment and deletion of past repayments required strict validation logic.

3. Clean PDF Layout Generation

Generating readable, structured PDF reports with dynamic filtering and formatting required precise layout management.

4. UI/UX Refinement

Creating a modern interface compatible with both light and dark themes required multiple design iterations and careful color system management.

5. Offline-First Constraints

Since all data is stored locally, we had to ensure:

  • Reliable persistence
  • No data loss
  • Efficient serialization/deserialization

Accomplishments that we're proud of

  • Building a fully functional offline-first debt management app
  • Implementing structured partial repayment tracking
  • Adding image proof attachments for accountability
  • Delivering PDF export functionality
  • Supporting multilingual usage
  • Designing an event-based cost-sharing system
  • Creating a clean and professional UI aligned with modern mobile standards

What we learned

Through Akontaa, we learned:

  • How to design structured financial data systems
  • Practical state management patterns in Flutter
  • The importance of deterministic financial calculations
  • UI/UX principles for trust-based financial tools
  • Efficient local persistence strategies

We also learned that simple real-world problems often require thoughtful system design to solve effectively.

What's next for Akontaa

Future improvements may include:

  • Optional cloud synchronization
  • Secure backup and restore functionality
  • Push notification reminders
  • Analytics dashboard with financial summaries
  • Encrypted data storage
  • Integration with mobile money APIs
  • Collaborative expense tracking for groups
  • A business-oriented version for informal vendors

Akontaa aims to evolve into a comprehensive local financial relationship management tool designed specifically for informal economies.

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