Wireframe · Screen 8 · Active hub Screen map
Phone SMS preview · payment confirm (both) confirm only · no ask
Boat: $50 applied · $420 left

Dual-notify one-liner · no WRONG chase in SMS · due reminder example below

Phone SMS preview · due reminder (−3 / due / +3) alert + optional link
Boat due Fri · $43.87. Open loan: plt.io/l/…
← My loans

Boat · with Mom

Nickname visible · active

Friends & family loan tracker. We never touch your money.

Remaining$912.40
Next due Sun$43.87
● Active
How to log a payment
Forward a receipt — Pocket Change never moves funds. Prefer email.

Email (preferred)

payment@personalloantracker.io

or MMS / SMS forward

(555) 010-0100

Tip: put “Boat” in the memo / subject. Same parser → confirm SMS or one clarify.

Overpay on this fixed loan → defaults to Household tab credit when a tab with Mom exists.

Ledger
Oct 1 · Payment−$43.87
Sep 1 · Payment−$43.87
Aug 12 · Funded$1,000.00
I paid Pause
Extras after Funded Fixed stays the agreed contract — no pile-on rebalance. Incidental extras → Household tab. Real new purpose → propose a new fixed loan.
Add to Household tab Propose a new fixed loan Full history
My extras as lender (when prompted)
Got it Not yet
Grace Apply late

Late / grace decisions: SMS handoff link → this hub (or dedicated page). Not a text Q&A.