Tracking loans to friends
Before
Lent money to 4 friends over a year, lost track
After
Every loan logged, every repayment marked
Ended up recovering $340 I'd forgotten about. Worth the 30 seconds of logging.
All Tools
Loan Tracker – Manage Borrowed and Lent Money
I built this after losing track of who owed me what across friends and family. Not awkward to ask when you have a clean record — and not awkward when you realize you owe someone and forgot. Log transactions, see balances, mark as settled. Everything stays on your device.
100% free, no signup
You'll receive
0.00
You owe
0.00
Net position
+0.00
No entries yet. Add your first one above.
Your files are processed in your browser and never uploaded to any server.
A note from me
The habit that made this work: log the loan on the same day. Waiting even a week, you forget the exact amount or the reason. Also, for family loans, note the reason — 'lent for rent' vs 'lent for groceries' — that context makes a difference at tax time if it's a substantial amount. For small loans between friends, don't over-formalize. A quick log is enough.
— Mirza Noman Baig
How to use this tool
- 1Choose Lent or Borrowed.
- 2Enter the person's name, amount, and date.
- 3Add a note if you want.
- 4Save — your running balance updates.
- 5Mark as settled when repaid.
Real results from testing
These are actual measurements from using this tool, not estimates.
Family loans with context
Before
Different loans for rent, medical, and emergencies
After
Notes on each transaction clarified the reason
Useful when a family member asked 'what was the $500 for?' — the note answered it.
Salary advance at work
Before
Employee took advances on different dates
After
Each advance logged with repayment schedule
Clean record for the accountant. No more spreadsheets.
Loan & Lending Tracker features
Track both directions
Money you lent and money you borrowed, all in one place.
Automatic balances
See who owes what without manual math.
Mark as settled
Keep history while updating the balance.
Runs locally
Financial records stay on your device. No cloud sync.
Frequently asked questions
Is my financial data uploaded?+
No. Everything is stored in your browser's local storage. Nothing gets sent to a server.
Can I track both directions?+
Yes. Mark each transaction as Lent (they owe you) or Borrowed (you owe them).
How are balances calculated?+
The tool sums lent amounts minus repayments, and borrowed amounts minus repayments, to show net position per person.
Can I mark a loan as settled?+
Yes. Once repaid, mark it settled. The record stays for your history but no longer counts toward the balance.
Does it survive a browser refresh?+
Yes. Data persists in localStorage across sessions. Clearing browser data will erase it.