Feature
Track money you lent and money you owe
A loan in Chillar's records who and how much, then accumulates records: repayments, additional borrowing, and interest. Each record can move real money in a linked account. The loan's remaining balance is total borrowed minus principal repaid, with interest kept separate.
Interest never touches the principal
An interest payment is a real transaction that leaves your account, but it does not reduce what you still owe. Chillar's keeps the two apart, so the remaining balance means what it says.
Records that move money
Attach an account to a loan record and Chillar's creates the matching transaction with the right direction. Lending money out is an expense, being repaid is income, and borrowing is the mirror of both.
The informal loans you already have
Most personal lending is money to a sibling, money from a friend, or a deposit someone owes back. These are the loans you forget about, and a running balance keeps them in front of you.
Frequently asked questions
- Does a loan repayment count as an expense in my budget?
- Yes, if the record is linked to an account. The repayment is a real transaction in that account, so it appears in your history and counts towards any budget whose scope includes it.
Related reading
- A money manager and money tracker for every account you holdAccounts, transfers, net worth and a savings buffer in one placeRead
- Planned payments: know what is due before it leavesRecurring rules, an upcoming list, and one-tap settlingRead
- How to make a monthly budget from your own numbersBuild a monthly budget from three months of your own spending instead of a template: find your baseline, set limits that bind, and review it once a month.Read
- Zero-based budgeting, step by stepGive every unit of income a job until nothing is left unassigned. How zero-based budgeting works, what it costs in effort, and when it is worth that cost.Read
Start tracking in about two minutes
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