Loan & Lending Tracker – Free Personal Money Borrow and Lending Manager
Loan & Lending Tracker is a free personal finance tool that helps you record money you've lent to others or borrowed yourself. Keep track of repayments, outstanding balances, settlement status, dates, notes, and individual transaction history—all stored securely on your own device. No account, no registration, no cloud storage, and no hidden fees.
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.
How to use this tool
- 1Choose whether you lent money or borrowed money.
- 2Enter the person's name.
- 3Enter the loan amount.
- 4Select the transaction date.
- 5Optionally add a note describing the payment.
- 6Click Add to save the transaction.
- 7View your total amount to receive, total amount to pay, and overall net balance instantly.
- 8Expand any person's record to see their complete transaction history.
- 9Mark individual transactions as settled after repayment.
- 10Delete transactions that are no longer needed.
- 11Use the filters to view all entries, money to receive, or money to pay.
Frequently asked questions
Is Loan & Lending Tracker completely free?+
Yes. Loan & Lending Tracker is 100% free to use with no subscriptions, hidden fees, or usage limits.
Do I need to create an account?+
No. You can use the tool instantly without signing up, creating an account, or providing any personal information.
Where is my loan data stored?+
All your loan records are stored locally in your browser on your own device. Your data is never uploaded to our servers.
Can I track both borrowed and lent money?+
Yes. You can record money you've lent to others as well as money you've borrowed, making it easy to manage all personal loan transactions in one place.
Can I record multiple transactions for the same person?+
Yes. You can add unlimited transactions for the same person, and the tool automatically groups them together while calculating the outstanding balance.
Can I mark a loan as repaid?+
Yes. Once a payment has been completed, you can mark the transaction as settled while keeping the record for future reference.
Can I delete loan records?+
Yes. Individual loan entries can be deleted at any time if they are no longer needed.
Does the tool calculate how much I owe or should receive?+
Yes. Loan & Lending Tracker automatically calculates your total amount to receive, total amount to pay, and your overall net financial position.
Can I add notes for each transaction?+
Yes. Every transaction can include optional notes, allowing you to record payment reasons such as rent, groceries, salary advances, utilities, or personal loans.
Can I filter my loan records?+
Yes. You can quickly filter records to view all transactions, only money you should receive, or only money you owe.
Is there a limit on the number of transactions?+
No. You can record as many lending and borrowing transactions as your device can store.
Can I use Loan & Lending Tracker on my phone?+
Yes. The tool works smoothly on Android phones, iPhones, tablets, laptops, and desktop computers using any modern web browser.
Is my financial information private?+
Yes. Your records never leave your device. Since everything is processed locally, your personal financial information remains completely private.
Who is this tool designed for?+
Loan & Lending Tracker is ideal for individuals, families, roommates, students, freelancers, shop owners, small businesses, and anyone who wants to keep accurate records of borrowed money, lent money, repayments, and outstanding balances.
Managing personal loans and borrowed money doesn't have to be complicated. Loan & Lending Tracker provides a simple and secure way to record every lending and borrowing transaction in one place while keeping your financial data completely private. Whether you lend money to friends, family members, coworkers, roommates, or customers—or borrow money yourself—you can easily record each transaction with the person's name, amount, date, and optional notes. The tracker automatically calculates how much money you should receive, how much you owe, and your overall net balance, helping you stay organized without manual calculations. Each person's transaction history is grouped together for quick review, making it easy to monitor repayments, mark loans as settled, or remove completed entries. Everything is processed and stored locally inside your browser, so your financial records never leave your device and are never uploaded to external servers. There are no accounts to create, no subscriptions, and no limits on the number of transactions you can manage. Loan & Lending Tracker is ideal for individuals, freelancers, students, families, roommates, shop owners, small businesses, and anyone who wants an easy way to manage personal debts, borrowed money, lent money, repayments, and balances while maintaining complete privacy.