Friends & family loan tracker. We never touch your money.
Canonical path for incidental extras
Tab charges add to balance. No keep-length / keep-payment wizard. Funded fixed loans are not pile-on-rebalanced — use this tab, or propose a new fixed for a real new purpose.
+$65 · groceries
After +$65
Balance$180 → $245
Paymentstays $50
Left~4 → ~5 payments
Duration extends · no rebalance choice.
After +$65
Balance$180 → $245
Targetstays Mar 1, 2027
Payment$42 → $57 to hit date
Payment recalcs · I can reset or clear the date later.
Alex gets a handoff SMS → accept page. Fixed pile-on is deprecated — extras live here.