Loan & Debt Tracking
Track what you owe and what you are owed.
TrackGeld's loan and receivables tracker gives you a complete picture of your debt obligations and outstanding receivables — including how each loan's monthly repayment affects your real discretionary budget.
Debt you cannot see is debt you cannot manage
It is easy to forget the total of what you owe. A car payment here, a family loan there, a credit card balance that always seems to hover around the same number. TrackGeld surfaces the full picture so nothing hides.
Similarly, money others owe you is an asset — it deserves to be tracked. When a friend repays a loan or a client pays an invoice, that money should enter your financial view properly.
Two sides of the ledger
Loans Payable (you owe)
→ Personal loans
→ Car finance
→ Student loans
→ Credit card balances
→ Family / friend loans
→ BNPL balances
Receivables (owed to you)
→ Loans to friends
→ Split bills outstanding
→ Security deposits
→ Freelance invoices
→ Refunds pending
→ Rental deposits
How debt tracking works in TrackGeld
Log the loan
Enter the lender, original amount, current balance, interest rate (optional), and monthly repayment.
Track payoff progress
Watch the balance decrease as you update it. See the remaining months to zero at your current repayment rate.
Link to recurring payments
Monthly repayments appear in your Recurring Payments view so your total committed spend is always accurate.
Net worth impact
Loans reduce your net worth in the Assets overview. As you pay down debt, your net position improves visibly.
Receivable reminders
Log who owes you, when it was due, and get reminders via Telegram when outstanding amounts age.
AI debt analysis
Ask the AI coach about your debt load — "how long to pay off everything?" or "which loan costs me most?"
Frequently asked questions
What types of loans can I track in TrackGeld?
Any loan where you owe money: personal loans, car finance, student loans, credit card balances, money borrowed from family or friends, and buy-now-pay-later arrangements.
Can I also track money that others owe me?
Yes. TrackGeld has a Receivables section for money others owe you — split bills, informal loans to friends, security deposits, and any outstanding payment you are owed.
Does TrackGeld show how loans affect my monthly budget?
Yes. Each loan's monthly repayment amount feeds into your recurring payments view. Your total debt obligations are visible as a monthly commitment alongside subscriptions and rent.
Can I track repayment progress?
Yes. Enter the original loan amount and current balance. TrackGeld shows the remaining balance and progress toward paying off the debt. Update the balance any time.
What is the difference between Loans and Recurring Payments?
Recurring Payments tracks the regular payment that leaves your account. Loans tracks the debt balance — how much you still owe in total. Both are linked so your full financial picture is accurate.
Related pages
Recurring payments →
Loan repayments feed into your recurring commitments view for a complete monthly picture.
Goal tracker →
Debt payoff is a savings goal — track it alongside your other financial targets.
Budget discipline →
Managing debt effectively requires knowing your monthly budget floor.
For students →
Student loans, BNPL, and informal debts — all trackable in TrackGeld for free.
FAQ →
Questions about loan tracking, receivables, and how debt affects your budget.
See your full debt picture in one view.
TrackGeld tracks what you owe, what you are owed, and how it all affects your monthly cash flow.
Start for free →