Family Loan Tracker

Track every dollar lent, record payments, forgive balances, and teach your kids real-world financial responsibility — all from your phone.

I’ll Pay You Back Friday

Sound familiar? Your teenager needs $200 for car insurance. Your college kid texts about textbooks. The youngest asks for gas money — again.

Before long, you’re juggling a dozen IOUs scribbled on napkins, half-remembered Venmo promises, and that sinking feeling that you’ve lost track of who owes what.

You love your kids. But your memory isn’t a bank ledger.

THE SOLUTION

Your Family’s Personal Lending Dashboard

Family Loan Tracker puts you back in control. Every dollar lent is logged — who borrowed it, when, and why. Interest accrues automatically so the lessons about real-world borrowing stick. When payday rolls around, send a friendly nudge with a full statement showing exactly what’s owed, broken down to the penny.

No more awkward “do you remember that $80 from last month?” conversations at the dinner table. The numbers speak for themselves.

KEY FEATURES

Track Every Dollar

Log each loan with a description, amount, and date. See exactly what each family member owes at a glance with real-time balance updates.

Automatic Interest

Set a custom annual rate for each borrower. Interest accrues automatically — teaching real-world financial lessons without the lecture.

Smart Payments

Record payments and watch them automatically allocate across outstanding expenses. Principal and interest are tracked separately, just like a real bank.

Forgive With Grace

Because you’re a parent first and a lender second. Forgive a chunk of debt as a birthday gift. Wipe the slate clean for good grades. Reward responsibility by zeroing out a balance they’ve been chipping away at faithfully.

Detailed Statements

Generate clean, shareable statements showing every expense, payment, and balance. Send them via text, WhatsApp, or email with one tap.

Receipt Tracking

Snap a photo of receipts and attach them to any expense. Camera, gallery, or document upload — everything stays organized.

Visual Analytics

Bar charts, donut charts, and summary cards show you the big picture. See total amounts lent, paid back, and forgiven across all borrowers.

Complete Activity Log

Every transaction is recorded. Add expense, record payment, forgive balance — it’s all there in a searchable timeline.

HOW IT WORKS

Step 1: Add Your Borrowers

Create an account for each family member. Set their interest rate and credit limit.

Step 2: Log Expenses

When someone borrows money, log it in seconds. Add a description, amount, and optional receipt photo.

Step 3: Track & Collect

Watch balances update in real time. Send statements when it’s time to pay up. Record payments as they come in.

Step 4: Forgive & Reward

Use forgiveness as a tool. Birthday gift? Forgive $100. Straight A’s? Clear the balance. You decide when generosity wins.

THE STORY

It starts with a text message. “Hey Mom, can I borrow $200 for car insurance? I’ll pay you back Friday.” Friday comes and goes. Then another kid needs $150 for textbooks, and the youngest asks for gas money — again. Before long, you’re juggling a dozen IOUs scribbled on napkins, half-remembered Venmo promises, and that sinking feeling that you’ve lost track of who owes what. You love your kids, but your memory isn’t a bank ledger.

Family Loan Tracker puts you back in control. Every dollar lent is logged — who borrowed it, when, and why. Interest accrues automatically so the lessons about real-world borrowing stick. When payday rolls around, you can send a friendly nudge with a full statement showing exactly what’s owed, broken down to the penny. No more awkward “do you remember that $80 from last month?” conversations at the dinner table. The numbers speak for themselves.

And because you’re a parent first and a lender second, sometimes love wins over the ledger. Forgive a chunk of debt as a birthday gift. Wipe the slate clean for good grades. Reward responsibility by zeroing out a balance they’ve been chipping away at faithfully. Family Loan Tracker handles forgiveness just as gracefully as it handles the math — because family finances should bring you closer together, not pull you apart.

WHO IT’S FOR

– **Parents of teenagers** who are starting to borrow for gas, clothes, and outings

– **Parents of college students** helping with tuition, books, and living expenses

– **Parents of adult children** navigating the transition to financial independence

– **Anyone lending money to family** who wants to keep things fair and transparent

PRIVACY & SECURITY

Your Data Stays Yours

Family Loan Tracker works completely offline. Your financial data is stored locally on your device — never uploaded to any server. No account required. No data collection. No ads. No subscriptions.

How much does it cost?

Family Loan Tracker is a one-time purchase of $4.99. No ads, no in-app purchases, no subscriptions — just pay once and it’s yours forever.

Does it require an internet connection?

No. The app works entirely offline. Your data is stored locally on your device.

Can my kids see their balances?

The app is designed for the parent/lender. You control the data and can share statements with your kids however you prefer — text, email, or just showing them your screen.

Does the interest compound?

Interest accrues based on the annual rate you set for each borrower. It’s calculated on the outstanding principal of each expense.

Can I use it for non-family lending?

Absolutely. While it’s designed with families in mind, it works for any informal lending situation — roommates, friends, or small groups.