Debt & Loan Tracking
That €200 you lent your sister, the €1500 you owe a friend — first-class accounts with target balances, return dates, and contact assignment.
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. Settling the debt is just a transfer to or from the debt account; balance hits zero, you can archive.
What you get
Explicit direction: "I owe" vs "owes me" — net worth signs them correctly
Optional contact name — track inter-personal loans without spreadsheets
Target balance and return date for closing the loop
Settle by transfer to a real account — no awkward "expense" workarounds
Archive when settled — debt drops off the home screen but stays in history
How it works
Account type Debt with sub-type "I owe" or "owes me". Linked to a contact name (optional). Settlement happens as transfers between the debt account and a real cash/bank account.
Frequently Asked Questions
What's the difference between "I owe" and "owes me"?
Can I link a debt to a contact?
How do I settle a debt?
Does the target return date trigger a reminder?
Read More on the Blog
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