How to record a debt
- Open a new transaction and switch to the Debt tab.
- Pick What happened: Lent, Borrowed or Repaid.
- Pick Who — someone you already have, or New person and type the name right there.
- Choose your account the money left from or arrived on, and enter the amount.
- If you like, set Due by — the day it should be paid back. Save.
A new person gets their own debt account when you save. From then on, everything with that person lands on the same account.
One account per person: the balance says who owes whom
Each person is one account, and the sign of its balance tells you who owes whom. Lend Max 50 and he owes you 50. Borrow 80 from him a week later, and the same account now shows that you owe him 30 — no second debt, no mental arithmetic.
- Owed to me — people whose balance is in your favour.
- I owe — people you still have to pay back.
- Settled — the balance is back to zero.
The Debts section in Accounts lists each person with the amount and the due date, plus Paid back and Pay back buttons that open the form already filled in with that person.
Repayments are transfers, not income
When Anna pays you back, that isn't income — it's your own money coming home. So lending, borrowing and repaying are recorded as transfers between your account and the person's debt account. Analytics and budgets don't count them: lending a friend 200 doesn't blow your food budget, and getting it back doesn't look like a pay rise.
Partial returns just work: Anna returns 20 of 50, and her account shows 30 still owed. Repaid is offered only for people you already have, and its direction follows the balance — whoever owes pays.
Debts stay out of your total balance
Money you lent isn't money you can spend tomorrow, and money you borrowed isn't really yours. That's why debt accounts are not part of the Total balance on Home and in Accounts. Right below it, one line keeps the picture complete: “Owed to me 150 · I owe 30”.
The Balance chart in Analytics leaves debts out the same way, so lending money shows as a dip in what you have — because it is one until it comes back.
A reminder on the due date
Set Due by when you lend or borrow, and on that day, from 10:00 in your time zone, a reminder arrives:
- In the app — in the notification bell, marked as important.
- In Telegram — if you have connected the bot: “🤝 Due today: Max pays you back 50”.
Each debt reminds you once per due date, and only while it's still open: if Max has already paid, nothing comes. Agreed on more time? Change the due date on his account.
Say it: “I lent Max 50”
With AI, you can say it in the same sentence as the rest of your day: “coffee 3.80 and I lent Max 50” becomes two drafts, the second marked “New debt: Max”. The debt account is created only when you save — the AI never creates anything by itself. More in logging expenses by voice.
The Telegram bot handles debts without AI too: type the amount, tap 🤝 Debt, choose I lent, I borrowed, Paid me back or I paid back, then pick the person or add a new one.
And when you just want the total, ask the AI assistant “how much am I owed?” — it answers from the same accounts.
Questions
Does lending money count as an expense?
No. Lending, borrowing and repayments are transfers between your account and the person's debt account, so analytics and budgets leave them out.
Can I have several debts with the same person?
They add up on one account per person. Lend twice and the balance shows the total; every return reduces it.
When does the due-date reminder come?
On the due day, from 10:00 in your time zone, in the app and — if you've connected it — in Telegram. Once per due date, and only if the debt is still open.
Can it split a restaurant bill between friends?
There is no automatic bill splitting. If you paid for everyone, record your share as an expense and each friend's part as money lent to that person.
Is the debt tracker free?
You can start free. A new account gets 7 days of Pro with 20 AI actions, and Lifetime is a single payment of 19 $ with everything unlocked for good.