Mutual approval
Connected debts only affect balances after the other person accepts, so nobody gets a one-sided surprise.
Informal lending, finally clear
Lend, borrow, remind, and settle without awkward money confusion.
FriendlyFinance helps friends and family track shared money with mutual approval, private personal ledgers, smart reminders, and clean reports everyone can understand.
No surprise debtsEvery connected entry needs approval.
Private recordsManual ledger stays owner-only.
Mobile readyPWA with push notifications.
INR net balanceLive
+3,000.00
Owed to you 3,000.00You owe 0.00
AB
Dakshith accepted your entryPizza night · due Friday
Gentle remindersSend a nudge without the awkward chat.
Why FriendlyFinance?
Money between people you care about should be transparent, not tense.
Personal Ledger
Track self-recorded lending or borrowing for people who are not using the app yet, grouped by person and currency.
Kind reminders
Send nudges, approval reminders, and balance reminders from the app instead of chasing people manually.
Insightful reports
See trends, categories, overdue items, due-soon forecasts, and export CSV or PDF summaries when you need them.
Easy referrals
Invite anyone with a reusable link. If they join, FriendlyFinance creates a normal pending connection request.
One payment, many entries
Record combined repayments and let FriendlyFinance allocate them oldest-due-first without mixing currencies.
Built for real-life money moments
A simple flow that keeps both sides aligned from request to settlement.
1
Connect
Find friends by username or mobile number and approve the connection.
2
Record
Create lend or borrow entries with amount, due date, description, and category.
3
Approve
The counterparty accepts before balances update on both dashboards.
4
Settle
Track partial or full repayments, combined payments, and automatic settlement.
Trust-first design
Clear when verified. Private when personal.
Connected entries are mutually verified before they change balances. Personal Ledger entries stay private, carry a disclaimer in PDFs, and never become connected debts unless you intentionally create them.
Separate balances by currency
Secure password authentication
HTTP-only encrypted MVC session cookies
Battery-efficient PWA push notifications
Ready to make friendly money actually feel friendly?
Create your account, invite your people, and bring every informal balance into one calm place.