EMI and loan tracker without a black-box schedule

In short

What is this?

expenie loan tracking is manual on purpose. You create payable or receivable loans, set remaining principal, and record EMI components yourself. There is no automatic amortization engine in v1. Free includes 1 open loan; Pro lifts that cap. Loan lines stay consistent with the statement.

What you get

Built into the same workspace

• Payable and receivable

  Money you owe, or money someone owes you. Same careful remaining principal.

• EMI fields you own

  Optional EMI amount, total EMIs, EMIs paid. Due dates stay anchored so month-end doesn't drift.

• Split the payment

  Principal reduces remaining. Interest and charges book as their own parts. Your numbers, not a forced formula.

• Same workspace as spend

  Loans sit with expenses and budgets. You're not juggling a calculator app and a budget app.

How it works

Three steps

1. 01

   Create a loan

   Name it. Set original and remaining principal. Choose payable or receivable.

2. 02

   Record a payment

   Enter principal, interest, and charges as you know them from the lender or agreement.

3. 03

   Watch remaining

   Paid-up loans get clear UX. Open loans count toward Free limits until you close them.

FAQ

Common questions

Related

More ways in

• Expense tracker
• Budget app
• Recurring
• Personal finance
• All features

Go deeper

Guides, comparisons, and calculators

• GuideTrack EMI in a ledger — not only a calculatorCalculators estimate next month's payment. A loan ledger records what you paid and how much principal is left — in the same books as your expenses.
• GuideConfirm-to-post recurring expensesA recurring rule is a schedule and a template — not a silent charge. Confirm to post; skip to advance; budgets only move when you say so.
• GuideFree EMI tracker that updates remaining principalCalculators show a schedule. A ledger tracks what you still owe when each payment posts. How to pick a free EMI tracker that fits real books.
• GuideTrack money someone owes you — in one ledgerIOU apps track a debt balance in isolation. A receivable loan keeps it in the same books as your expenses, income, and budgets.
• CompareEveryDollar alternative: budgeting without the programmeEveryDollar is the budgeting layer of a larger financial philosophy. If you want the budget without the surrounding method, a neutral tool fits better.
• CompareSplitwise alternative: what you are owed, in your own booksSplitwise is a shared ledger between people. It is deliberately disconnected from your actual finances — which is exactly the gap for some users.
• CompareToshl alternative when spending tracking is not enoughToshl is a good expense tracker. The alternative case is needing a ledger — loans, receivables, and commitments — rather than a spending log.
• Best forBest app to track EMI and loan paymentsMost budget apps treat a loan as a monthly expense. That loses the remaining principal, the payment split, and what the debt costs you from here.
• Best forBest app to track money you have lentBill-splitting apps need everyone to participate. A receivable in your own ledger needs nothing from the other person at all.
• Best forBest credit card expense trackerThe most common mistake is logging a card payment as an expense. Those expenses already happened when you used the card.
• Best forBest expense tracker for small business ownersThe useful question is not which app is best. It is whether your obligations require accounting software or a categorised personal ledger will do.
• CalculatorEMI calculatorPrincipal, annual rate, and months → monthly EMI, total interest, and total payable.
• CalculatorDebt payoff calculatorSee how long a fixed monthly payment takes to clear a balance at a given APR — and total interest paid.
• CalculatorLoan prepayment calculatorA one-off lump sum against principal → months saved and interest avoided.
• CalculatorCredit card minimum payment calculatorBalance, rate, and a percentage-of-balance minimum → how many years it actually takes.