Track what you lend.
Never forget what you owe.
See what's coming next.
Loanchy is the dead-simple personal finance manager for the money between people and the payments that repeat every month. Track loans, dues, and subscriptions without spreadsheets or awkward “hey, so…” texts.
- Loans, dues & subscriptions
- Web, iOS & Android
- Set up in seconds
Good morning, Sam
Net position
+$1,430.00
in your favor, across 3 active loans
You lent
$1,850.00
You borrowed
$420.00
Recurring payments
$84.00 / month
Netflix
Next payment · Friday
$15.99
Maya R.
Due Aug 30$320.00 / $500.00
Jordan P.
Settled$150.00 / $150.00
Chris W.
Due Sep 12$180.00 / $420.00
Recent activity
Maya R. paid you $120
2 days ago
You paid Chris W. $60
5 days ago
Jordan P. settled up $75
Last week
Built for real life between real people
From “I will pay you back” to paid in full
Three steps. No learning curve. If you can send a text, you can use Loanchy.
Add what matters
Add a loan, a due, or a recurring subscription in seconds — just the details you actually need, with no form that feels like a mortgage application.
Record payments as they happen
Every payment updates the balance instantly. Partial payments are welcome — Loanchy keeps the running total for you.
Always know what’s next
See live totals for what you lent and owe, upcoming subscription payments, full payment history, and the bigger picture at a glance.
Everything you need.
Nothing you don’t.
Loanchy keeps the essentials of personal finance clear — money you lend, money you owe, and recurring payments you don't want to miss.
Both sides of every dollar
Money you lent and money you borrowed, tracked separately but always in view — with a live net position so you know exactly where you stand.
You lent
$1,850
You owe
$420
Net position
+$1,430
Recurring payments, finally in view
Keep Netflix, Google, Amazon, memberships, and other repeat expenses in one calm dashboard. See what's due next, what's overdue, and what your subscriptions add up to over a year.
Monthly commitment
$84
Next payment
Netflix · Fri
Recorded history
12 payments
Payment history
A clear timeline of every payment made or received. Proof, when memory isn’t enough.
Maya R. paid $120
2 days ago
You paid Chris W. $60
5 days ago
Jordan P. settled up
Last week
Due dates at a glance
See what’s coming before it’s late. No more “oh wait, that was due?”
Every device you own
Log a loan from your phone at dinner, check it from your laptop later. Web, iOS, Android, and Windows.
Private by design
Your ledger is yours alone. Loanchy tracks your side of the deal — the other person never needs an account, and your records stay private.
Read our privacy policyTrusted by people like you
Family bankers, freelancers, roommates — anyone who’s ever said “just pay me back later.”
I lend money to my siblings all the time. Loanchy has been a lifesaver for keeping track of everything without making it weird. It just works.
John D.
Family “banker”
As a freelancer, I sometimes borrow from my parents to cover gaps between projects. Loanchy makes sure I pay them back on time, every time.
Sarah M.
Freelance designer
We use it in our shared house for group expenses that are too big for a simple split. It’s perfect for tracking who paid for the new couch and who still owes.
Alex K.
Roommate
Free forever. Pro when you need more.
Track your first loans, dues, and subscriptions for free. Upgrade when your personal finance picture outgrows the free tier — cancel anytime.
Free
Everything you need to get started.
$0 /forever
- 10 loan records
- 10 due records
- 3 accounts & assets
- 10 active subscriptions
- 1 active public share link
- Ad-supported
Pro
For the bigger picture.
$1.99 /monthor $8.99 /year · Save 62%
- Unlimited loans, dues, accounts and subscriptions
- Unlimited public share links
- Email payment reminders
- Completely ad-free
Secure checkout and billing by Lemon Squeezy. Prices in USD.
Stop keeping it all in your head.
Your first loan or subscription takes 30 seconds to add. Your money picture will never be the same.
Free · No card required