The Lending Tracker That
Remembers Every IOU
Lent $50 to a friend at dinner? Covered a roommate's share of rent? Spend Split tracks money you've lent and borrowed — with due dates, partial payments, and a full history — so awkward "hey, remember that money?" conversations never happen.
Most budget apps forget who owes you money
YNAB, Monarch, PocketGuard — none of them have a dedicated lending tracker. So IOUs end up in your notes app, a group chat, or just your memory. And memory is exactly how small loans quietly become gifts you never meant to give.
Spend Split treats lending and borrowing as a first-class part of your finances — because money you're owed is still your money.
Both directions
Separate views for money you’ve lent and money you owe — your true position at a glance.
Due dates
Set a date for every IOU so repayments don’t drift into "someday".
Partial payments
Friend paid back half? Record it. The remaining balance stays accurate.
Full history
Every settled IOU is kept in your lending history — handy when memories differ.
Summary dashboard
Total lent, total borrowed, and what’s overdue — all in one summary.
Part of your finances
Lending lives alongside your expenses and budgets, not in a separate app.
Made for real life
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Friends & dinners
Split bills, covered tickets, spotted cash — track it until it's square.
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Roommates
Rent shares, utilities, groceries — keep a clean record everyone can trust.
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Family
Helping out relatives? Track repayments kindly, clearly, and privately.
Lending tracker FAQs
How do I track money I lent to a friend?
Add a lending record in Spend Split with the amount, who borrowed it, and an optional due date. The record stays in your lending dashboard until it’s fully repaid — including partial repayments along the way.
Can I track money I owe to others too?
Yes. Spend Split tracks both directions — money lent to others and money you’ve borrowed — in separate views, so you always know your true position.
Does the lending tracker support partial payments?
Yes. If a friend pays you back $20 of a $100 loan, record it and Spend Split keeps the remaining balance accurate until it’s settled.
Is there a free version of the lending tracker?
Yes — the free plan includes 3 active lending records. Premium ($3.99/month after a 1-month free trial) removes the limit entirely.
Stop being the friend who forgets
Try Spend Split Premium free for 1 month. No credit card required.
Download on the App StoreSee how it compares: vs YNAB · vs Monarch · vs PocketGuard