Lend Mate

LendMate makes it simple to track money lent or borrowed between friends and family — with proper records, interest calculations, and UPI payment integration.

Stop relying on WhatsApp messages and memory. LendMate keeps everything organised so both parties stay on the same page.

### 📊 Dashboard & Overview
- One-glance dashboard showing what you've lent, borrowed, and your net position
- Dark/light theme support

### 💰 Create Loans — 3 Interest Types
- Reducing Balance — interest calculated on outstanding principal each month (most common)
- Flat Rate — fixed interest on original principal for full tenure
- Interest Only — pay monthly interest only; repay principal anytime

### 📆 EMI Schedule & Payments
- Auto-generated amortisation schedule with principal/interest breakdown per EMI
- Live EMI preview before creating the loan
- Overdue detection with visual alerts
- Partial/final EMI handling for irregular payments

### 💸 UPI Payment Integration
- Pay EMIs directly via UPI — GPay, PhonePe, Paytm, BHIM
- Upload payment proof screenshots as confirmation
- Mark payments as paid manually for offline cash
- Extra payments above regular EMI with auto-recalculation
- Full loan closure in one tap
- Lender approves/rejects payments — full accountability

### 👥 Borrower Management
- Search registered users by name or phone
- Pick borrower from phone contacts
- Invite unregistered borrowers via WhatsApp/text deep link — they sign up and auto-join the loan

### 📈 Analytics & Insights
- Monthly cash flow chart (lent vs. borrowed over time)
- Payment timeline chart
- Loan distribution by status (active/closed/pending)
- Interest summary: earned, projected, and payable
- Upcoming EMIs timeline
- Lender insights: interest accrued, projected returns, average rate

### 🔔 Smart Notifications
- Real-time push for payment confirmations, approvals, and reminders
- Lender can send payment reminders to borrower
- Notification history with one-tap navigation to loan detail

### 📄 PDF Statements
- Share complete loan statement as PDF with payment history and full EMI schedule

### 👤 Profile & Settings
- Profile with photo, phone, UPI ID
- Push notification toggle
- Theme: Auto / Light / Dark
- Formulas & Calculations explainer — see how your EMI is computed
- Refer a Friend — share app download link
- Join a Loan — accept invite via token
- Delete account

### 🔐 Security
- Email/password or Google Sign-In
- Supabase backend with row-level security — you only see your own loans
- Password reset via OTP

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## Ideal For
- Lending money to friends and family
- Tracking informal loans with proper digital records
- Managing peer-to-peer lending between known people
- Keeping personal finances organised