Pro Feature

Lend & Borrow

Lent a friend some cash, or borrowed from someone until payday? That money isn't spending and it isn't income — it's coming back (or going back). Logging it as an expense would inflate your Money Out and throw off your budgets, and not logging it means you forget who owes whom.

Lend & Borrow keeps a running balance with each person. You record the loan, optionally set a due date for a reminder, and record repayments as they happen — in full or a bit at a time. Each repayment lands in the month it actually happened, and none of it counts toward your Money In, Money Out, budgets or reports.

Turn it on

1. Open Settings and tap Lend & Borrow (in the Pro features group).
2. Turn on Enable Lend & Borrow. The same screen then shows everyone you have an open balance with.

Record money you lent or borrowed

1. In Settings > Lend & Borrow, tap Lend or Borrow. You can also tap Lend on the Add Transaction screen, in the row with Split just below the amount.
2. Type the person's name (names you have used before are suggested).
3. Enter the amount and date, and optionally the payment method the money came out of (or went into).
4. Optionally set a due date. On that day you'll get a reminder at 9 am — unless the balance with that person is already settled.
5. Tap Save.

Record a repayment

1. In Settings > Lend & Borrow, tap the person.
2. Tap Record repayment. The amount starts at what is still outstanding — change it if they paid back only part.
3. Set the date the money actually moved and tap Save. The repayment is its own entry on that date, so it shows up in that month's history.

How balances work

• Each person shows one balance: owes you when you've lent more than you've been paid back, you owe when it's the other way round. Lending and borrowing with the same person net out.
• When the balance reaches zero the person moves to Settled. Their history stays.
• Names are matched ignoring capital letters and extra spaces, so "alex" and "Alex " are the same person.

Where loans appear

• Loans and repayments are not counted in Money In, Money Out or Net on the Home screen, in Reports, category charts, budgets, widgets, Spent Today or your Power Score.
• They do move the balance of the payment method you picked — cash you lent really left your wallet — so Account balances on Home and Reports > Balance by payment type stay true.
• They appear in your transaction list as a neutral row such as "Lent · Alex" or "Repaid by Alex". Tap one to edit or delete it.
• Exports label them Lent, Borrowed, Repayment received or Repayment paid, with the person's name.

A few things to know

• If you turn the setting off, or your Pro subscription lapses, you can no longer add new loans — but existing entries are never deleted or changed, and they still stay out of your totals.
• With Cloud Sync on, your loans and repayments sync to your other phones signed in to the same account.
• Reminders are set on the phone where you saved the loan, and are refreshed whenever you open Lend & Borrow.
• With Partner Mode, your partner's loans stay theirs: they never count toward your combined totals and don't appear in your Lend & Borrow list.
• Splitting a shared bill with friends? Group Expenses is built for that.