Feature Request: Personal Loan Tracking (Borrowing from Friends/Family – Interest-Free)

[hendripermana]

Describe the feature

I’d like to request a “Personal Loan Management” feature that allows users to record and manage informal, interest-free loans between individuals — for example, when we borrow money from friends, family, or colleagues.

This feature should enable:

• Creating a loan entry with the lender’s name (person, not institution)
• Adding loan amount, date borrowed, and optional repayment plan
• Supporting interest-free loans (default = 0%)
• Allowing partial repayments and progress tracking
• Uploading or writing notes or proofs (e.g., transfer receipts, agreement notes)
• Adding reminders for repayment (manual or automatic)
• Allowing debt forgiveness or marking a loan as “gifted”
• Generating summaries or insights (e.g., “You borrowed Rp500.000 from Dwi in September, repaid 50%”)
• Optional visibility/sharing with the lender if both use Sure App (future integration)

Why is this feature important?

Many people borrow or lend money informally — between friends, siblings, parents, or coworkers — often without contracts or interest.
Currently, finance apps mainly handle institutional loans (credit cards, banks), leaving no place to transparently record personal debts.

This feature solves real-world issues:

• Users forget repayment schedules or amounts owed to individuals
• No central place to track multiple personal loans
• Helps avoid awkward misunderstandings or strained relationships
• Promotes financial awareness and accountability for informal debts
• Complements Sure’s mission of providing holistic personal finance tracking

Example scenarios:

• I borrowed $200 from a friend for groceries and want to track repayment.
• I owe my sister $500 for a bike cycle down payment, paid back in three months.
• I lent $100 to a coworker, and I’d like to remember when they pay it back.

Additional context, screenshots, and relevant links

It would be great if this could also integrate with existing Debt or Expense modules, so personal loans appear alongside formal liabilities but marked as “Personal (No Interest)” for clarity.

A future enhancement could allow both parties (borrower/lender) to see synchronized updates if they both use the app — similar to shared budgets or joint accounts.

• This feature is especially useful in cultures where borrowing without interest is common, such as family or community-based lending.
• It fits nicely alongside Sure’s vision for a complete financial wellness system, not just transactional tracking.
• Reference concepts: peer-to-peer debt tracking, transparent repayment timeline, and gratitude-based notes to preserve trust.

[jjmata]

Love this feature idea! Want to add some stability to the code-base first, personally ... but super happy to support anybody that picks it up to work on it. 💪

[Crystora]

@jjmata I am interested in this feature. Can I pick this up?

[a11delavar]

+1 on this .. running into the same need.

One thing worth adding: in my case it's often bi-directional. Sometimes a friend owes me, sometimes I owe them, and the running balance flips back and forth until it hopefully nets to zero. Less "personal loan", more "ongoing IOU ledger with this person."

I tried the obvious options and each had a snag:

• Other Asset / Other Liability are the right side of the balance sheet, but balances are valuation-driven — entering transactions doesn't move the balance. Doesn't scale for frequent IOUs. (Feature Request: Support Negative Transactions for Reimbursements / Split Expenses #459 suggests Other Asset + Transfers as a workaround, clever but heavy for casual use.)
• Loan assumes formal interest/term — overkill.
• Cash account auto-updates from transactions so the math works, but groups IOUs under bank accounts, and going negative to represent "I owe them" reads oddly.

What I'm doing today: just creating Cash accounts with a ↔ symbol in the name so the avatar visually distinguishes them from my real bank accounts. Works, but it's a hack.

Side note: "Cash" in the UI seems to actually mean "bank/depository account". If anything new is added here, there might be room to clarify that distinction. If this lands as a completely new account type and not another sub-type, a way to migrate existing transactions over would be really helpful.