Know who owes whom
That €200 you lent your sister, the €1500 you owe a friend. Both are first-class accounts with target balances, return dates, and contact assignment.
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Loans between people are accounts too
Budgie tracks money you owe and money owed to you as first-class accounts, with a direction, a due date and a running balance — and every euro that moves is a real expense or income, filed under Lending or Borrowing.
Money you owe, money owed to you
Home groups debts by direction: You owe and Owed to you, each with its own subtotal and a bar for how far the debt has been settled.
A due date and a target
Open a debt to see what is still to receive, how much has come back and the total you lent, against the target balance and return date.
Attach a repayment you already logged
When a repayment lands as ordinary income, open the transaction and pick the debt it belongs to. Budgie files it under Lending or Borrowing and moves the debt's remaining balance, instead of you recording a second transaction.
- Money you owe
- Money owed to you
- Still to receive
- Returned vs lent
- Attach to a debt
- Lent or borrowed
A loan that stays in view
Many people track loans in notes or a sheet. Here is the difference.
Notes or a spreadsheet
- Loans kept in a separate sheet
- Balances updated by hand
- Repayments typed in twice
- Net worth often ignores what you owe
Debts live next to your accounts
- Loans sit beside your accounts
- Remaining balance moves for you
- Attach a repayment you already logged
- Net worth can include what you owe
What one loan looks like
A debt account keeps score so you do not have to.
- What is still to receive
- Returned so far against the total lent
- Each repayment, listed under the debt
What you get
Owe and owed, signed correctly
Explicit direction: "I owe" vs "owes me" — net worth signs them correctly
Targets and return dates
Target balance and return date for closing the loop
Repayments without re-entering
Attach an existing income or expense to a debt as a repayment, without inventing a second transaction
Everything included
- Optional contact name — track inter-personal loans without spreadsheets
- Lending and repayments are categorized Lending or Borrowing automatically, and count toward your monthly spending and income
- Paid off shows a clear done state and the debt leaves the home screen; repay too much and the overpaid amount is shown
- Debts in another currency are valued with the exchange rate from the day the money actually moved
The details
For when you want to know exactly how it behaves.
Why inter-personal debt deserves its own account type
Inter-personal debt is invisible to most apps. Budgie has Debt as a real account type, with explicit "I owe" / "owes me" direction, optional contact, target return date, and target balance.
Net worth respects debt direction: liabilities reduce, receivables increase. But no transaction ever touches the debt account itself. Lending money books an expense; a repayment books an income — both on the account the money actually moved through, both filed under Lending or Borrowing. The debt account only keeps score: remaining against repaid, until the debt is paid off.
Questions
What's the difference between "I owe" and "owes me"?
Direction. "I owe" is a liability — your net worth subtracts it. "Owes me" is a receivable — your net worth adds it. Same account type, opposite sign.
How do I settle a debt?
Record or attach the repayment as a normal income or expense — Budgie categorizes it Lending or Borrowing and moves the remaining balance. No transfer ever touches the debt account itself. Once it's fully repaid the debt shows a paid-off state and leaves the home screen; archive it from there to keep it in your history.
My friend repaid me by bank transfer — do I have to re-enter it?
No. Attach the income that already arrived to the debt. Budgie categorizes it Lending automatically, moves the debt's remaining balance, and the transaction stays exactly where your bank put it — still counted as income.
What if the loan was in a different currency?
The converted value is stored together with the exchange rate for the date of the operation, so an old loan keeps the valuation it had when it was made instead of drifting with today's rate.
Does the target return date trigger a reminder?
Currently it's informational — surfaced on the debt account card and in the account details view. Push reminders are on the roadmap.
Ready to take Budgie for a spin?
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