Who owes whom
and on which day

Every loan and every IOU with its schedule, kept in step with the bank rows that pay it.

Money

IOUs and loans with a schedule: who owes whom, and when.

Add

IOUs and loans

Ask

Who	What	When	Amount	Status
Equipment loan · 9 of 24$1,235 of it is interest	Installment	Nov 8	−14,090.00 USD	Due in 5 days
Equipment loan · 8 of 24Linked to its bank row	Installment	Oct 8	−14,090.00 USD	Paid
Equipment loanNew rate from Oct 1 · the schedule rebuilt itself	Rate change	Oct 1		Rebuilt
SamOwed to you	Travel advance	Nov 20	2,000.00 USD	Open

The cards on top are filters. The next installment says how much of it is interest, the only part the month counts as a cost.

How it works

Loans and debts
in four lines

Both sides on one page: Loans you took, money lent and money owed, with the nearest dates on both sides. The cards on top are filters.
A schedule that keeps up: A new rate or an early repayment rebuilds the schedule. Only the interest counts as a cost of the month.
Linked to the bank row: A repayment links to the row that paid it, so nothing is booked twice. The last installment can be undone.
Recorded in words: Say record a loan or pay the installment, and the assistant offers one card. Nothing is written until a person presses.

Questions

Is the whole installment an expense?

No. Only the interest counts as a cost. The rest pays down what you owe.

What if the bank already shows the repayment?

Link that row to the installment. Its amount and day count as the repayment, and nothing new is written.

We open it on your books and show what the machine would do by itself in your first week.