Wireframe · Running tab · Active Screen map
Phone SMS preview · payment confirm (both) confirm only · no ask
Household tab: $50 applied · $180 left
Phone SMS preview · due reminder alert + optional link
Household tab due Fri · $50. Open: plt.io/t/…
← My loans

Household tab · with Mom

Running tab · one active per pair

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

Balance$180.00
Next due Fri$50.00
YardstickFixed $50 · ~4 payments left
● Active tab
Yardstick Fixed payment: duration extends when we add charges. As lender I can reset $. (XOR target date: payment recalcs; I can reset or clear the date.)
Note
groceries + kids stuff we cover for each other

Edit note → mutual re-agree (both must accept).

How to log a payment
Forward a receipt — Pocket Change never moves funds. Prefer email.

Email (preferred)

payment@personalloantracker.io

Tip: put “Household tab” in the memo. Overpay on a fixed loan with Mom defaults to tab credit when this tab exists.

Ledger
Oct 3 · Payment−$50.00
Sep 28 · Charge · groceries+$40.00
Sep 20 · Charge · vet+$200.00
Sep 20 · Tab opened (first charge)—
I paid Pause
Tab add-on · no rebalance wizard New charge adds to balance. Preview updates weeks-left or payment-to-hit-date. SMS = handoff link only.
Add charge to tab Full history
My extras as lender
Reset payment $ Reset / clear date

Yardstick resets are lender-only on web; borrower sees updated preview. Not an SMS Q&A.