# Who owes whom: and on which day

URL: https://www.orla.finance/en/product/money/loans
Markdown twin of that page. Append `.md` to any Orla page URL to get one.

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

## How it works

- **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.