Track what you lend.
Never forget what you owe.
Loanchy is the dead-simple personal loan tracker. Log a loan in seconds, record payments as they happen, and always know exactly who owes what — no spreadsheets, no awkward “hey, so…” texts.
- Free to use
- 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
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 a loan in seconds
Who it’s with, how much, and when it’s due. That’s all Loanchy needs — no forms that feel 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 where you stand
Live totals for what you lent and what you owe, a full payment history, and due dates you’ll actually see coming.
Everything you need.
Nothing you don’t.
Loanchy is focused on the essentials of personal loan tracking — done properly, on every device you own.
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
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
Stop keeping it all in your head.
Your first loan takes 30 seconds to add. Your memory of who owes what will never be the same.
Free · No card required