Know who still owes you, and what you owe
You lent a friend Rp1.500.000 for a month. Now it is the 20th, and you cannot remember what came back. Debts keeps one record for each loan: who, how much, the due date, and every repayment. The balance always shows what is left.
Track your first debtDebts and loans need CatatKoin Pro. Create an account to start.
A loan between friends rarely has a paper trail
You say "pay me back next month" and move on. The money comes back in two parts, or you lend a little more. A chat message holds one part. Your memory holds the rest. Later, neither of you agrees on the number.
A debt in CatatKoin is one loan with one person. It has a direction, a balance, and an optional due date. You add each repayment as it happens. The balance changes each time, and the history stays on the page.
The names, amounts, and dates are illustrative. This is not a customer story.
An example: Rp1.500.000 lent to a friend
Rina lends her friend Budi Rp1.500.000 on October 1. He says that he will pay it back by November 1. Rina has a CatatKoin account with Pro, and Budi is already in her contacts.
From a spoken promise to a closed debt
- 1
Add the debt
Open Debts and click Add Debt. Fill in the form:
Field Example Contact Budi Direction I lent them money (they owe me) Title (optional) Loan for a motorbike repair Initial Amount Rp1.500.000 Due date November 1 The debt appears in the list with the label Owed to me. The overview shows Rp1.500.000 under Owed to you.
- 2
Get a reminder
From October 25, which is 7 days before the due date, the debt shows in Reminders. You do not need to keep the date in your head.
- 3
Record each repayment
On October 28, Budi sends Rp600.000. Click Record repayment received and enter the amount. The balance changes to Rp900.000.
- 4
See what is overdue
November 1 passes. The debt now counts as overdue. The overview shows the overdue amount, Rp900.000, and one overdue debt.
- 5
Add the rest as it comes
On November 10, Budi pays Rp800.000. The balance is Rp100.000.
- 6
Close the debt
Rina decides to let the last Rp100.000 go. She opens the debt and clicks Settle. CatatKoin records the rest as forgiven, and the debt shows Settled. If Budi pays the last Rp100.000 instead, the balance reaches zero and the debt settles by itself.
- 7
Borrowed money works the same way
Say Rina borrows Rp2.000.000 from her brother. She adds a debt and chooses They lent me money (I owe them). The list marks it I owe. She clicks Record repayment made each time she pays him back.
What changed in your records
| Date | What you do | What you see |
|---|---|---|
| October 1 | Add the debt | Rp1.500.000 owed to you |
| October 25 | Open Reminders | The debt, due in 7 days |
| October 28 | Record Rp600.000 received | Rp900.000 left |
| November 2 | Open Debts | Rp900.000 overdue |
| November 10 | Record Rp800.000 received | Rp100.000 left |
| November 15 | Settle the debt | Settled, with Rp100.000 forgiven |
What you can look back on
One balance for each loan
Open a debt and read the amount that is left.
The whole history
Each repayment, extra loan, and adjustment has a date and an amount.
The total across all your debts
The overview shows what people owe you and what you owe.
Questions before you start
Related pages
Debts and loans
Track money you lent or borrowed, record each repayment, and see what is overdue. Settle the debts that are paid. Needs CatatKoin Pro.
Read moreRecurring bills
Track subscriptions, bills, and installments with a calendar up to 12 months ahead. Mark changing amounts as estimates and get reminders before each due date.
Read moreWrite it down while you remember it
Add the next loan on the day you make it. The due date and the amount are enough to start.
Track your first debt