Loanly Ledger

Now with payoff plans — see how much faster (and cheaper) you can clear every IOU with snowball or avalanche strategies. Free forever for simple IOUs.

Loanly Ledger keeps track of money people owe you — so you don't have to.

Lend a friend $50? Track damages from a fender-bender? Helping family with school costs? Loanly Ledger remembers every IOU, calculates interest if there is any, and tells you exactly what's expected when.

Built on a simple idea: nobody loans alone. The friendships, family ties, and trust behind every IOU deserve a tool that takes both the money and the relationship seriously.

— FREE FOREVER —

• Unlimited simple IOUs (no interest, no schedules)
• Track damages, casual loans, anything owed
• Multiple people, multiple debts per person
• Payment history with running balances
• Combined payments split across debts
• Export your data anytime as a backup file
• No ads. No accounts. No tracking.

— PRO UNLOCK ($9.99 lifetime, or $4.99/year with 7-day free trial) —

• Amortizing loans with monthly payment schedules
• Interest-only loans with balloon payments
• Total cost projections over the life of a loan
• Deferred-interest tracking (great for 0%-promo arrangements)
• Snowball planner — pay smallest balances first
• Avalanche planner — pay highest interest first
• See how much interest you save by paying extra
• Combined payment splitter across any number of debts

— BUILT FOR REAL LIFE — Loanly Ledger handles the situations regular finance apps don't:

• The friend who paid for your share of the trip and you'll get them back in installments
• The roommate who covers utilities and you settle monthly
• The family loan with a "0% if paid in 12 months" arrangement
• The contractor who owes for damages, paid down over time
• Adult children paying back college costs at their own pace

The math runs in your pocket. Just enter the principal, the rate (if any), the term, and Loanly Ledger does the rest — including handling deferred interest, conditional 0% promos, and uneven payment timing.

— PRIVACY BY DEFAULT — Loanly Ledger stores everything on your device. No accounts. No cloud servers. No surveillance. We can't see your data because we never collect it. The trade-off: you're responsible for backing up your own records, which Loanly Ledger makes simple with one-tap export.

— ABOUT — Loanly Ledger is built by ResQWare LLC, a small American software company. We believe small tools can do big work, and we don't sell your data because we don't have your data to sell.

Need help? Email support@loanlyledger.app. Privacy policy: https://loanlyledger.app/legal/privacy.html Terms of service: https://loanlyledger.app/legal/terms.html

Loanly Ledger is a personal tracking tool. It is not a lender, a financial advisor, or a payment processor. Calculations are provided for convenience. Consult a qualified professional for financial advice.