Question 1

What's included in the free 45-day trial?

Accepted Answer

The trial gives you full access to all features with no credit card required. You can create loans, invite participants, generate loan agreements, and track payments. After 45 days, you can choose a monthly plan or the one-time lifetime payment to keep access.

Question 2

Is the $99 really a one-time payment with no future charges?

Accepted Answer

Yes. The $99 one-time payment gives you lifetime access to Family Loan Tracker — you pay once and the software is yours, including all future feature updates at no extra cost. There are no recurring subscription fees, no per-loan setup fees, and no transaction fees on payments you record, which is different from competitors that charge monthly fees plus a fee on every payment. If you would rather spread the cost out, or aren't yet sure whether you'll need the software long term, we also offer a monthly plan at $6.99 that you can cancel anytime with no penalty. Most families managing one or two loans over several years find the one-time payment works out cheaper than a few months of a typical subscription-based alternative, which is why it's marked as the best value option.

Question 3

Can both the lender and the borrower see the same loan?

Accepted Answer

Yes. You can invite the other party via email — they get their own dashboard view showing the same loan details, payment history, and upcoming payments. Both parties always see the same accurate picture, which is great for trust and transparency.

Question 4

Can I track more than one loan?

Accepted Answer

Yes. You can manage multiple loans in a single account — for example, a home loan from parents, a car loan to a sibling, and a personal loan to a friend. Each loan has its own payment schedule, history, and dashboard.

Question 5

What if I need to change the loan terms after setup?

Accepted Answer

You can edit your loan terms at any time — including the interest rate, payment schedule, and amounts. The software recalculates the payment schedule automatically based on any changes you make.

Question 6

Can I track a debt that keeps growing, like rent or bills I cover each month?

Accepted Answer

Yes. Set the loan up as a line of credit and add each amount as a draw when it happens, with a date and a note. The balance and the schedule update from that date, both of you see the same running total, and the other person gets an email for every draw. Payments come off the balance as usual, so the loan page always shows what is owed today.

Question 7

Will I receive reminders for upcoming payments?

Accepted Answer

Yes. Both lenders and borrowers can receive payment reminder emails before payments are due, so nothing slips through the cracks.

Question 8

Can borrowers pay their loan payments through Family Loan Tracker?

Accepted Answer

Yes. The lender adds their payment details once (Venmo, PayPal, Cash App, Zelle, or a payment request link like Tikkie), and every upcoming payment gets a Pay now button with the amount prefilled. The borrower pays in one tap in the app they already use, then records the payment — no transaction fees, ever.

Question 9

Can I export my loan data?

Accepted Answer

Yes. You can export your loan agreement, the full amortization schedule (as a printable PDF or a CSV for your accountant), your complete payment history, and a per-year tax summary. These are useful for record-keeping, tax purposes, or sharing with an accountant.

Question 10

Can I import the history from my spreadsheet?

Accepted Answer

Yes. Export the sheet as CSV with a date, amount, optional type and note column, and upload it on the loan page. You see every row before anything is saved, and the balance and schedule are rebuilt from the imported payments (and draws, for a line of credit). There is a template to download if you want the exact format.

Question 11

Does the software generate 1099-INT or 1098 tax forms?

Accepted Answer

Not automatically, since generating official tax forms requires verifying identity and reporting details that go beyond what a loan-tracking tool handles on its own. What Family Loan Tracker does give you is a precise, always up to date record of every payment, showing exactly how much interest was paid and received throughout the year, broken down by loan. That record is exactly the information you or your accountant need to fill in a 1099-INT or 1098 by hand, or to hand off during tax preparation, without having to reconstruct payment history from bank statements or messages. Because family loans can be treated differently depending on the amount, the interest rate charged, and your local tax rules, we recommend confirming your specific filing obligations with a qualified tax advisor rather than relying on the app alone to determine what needs to be reported.

Question 12

What personal information does the software collect?

Accepted Answer

Only the minimum needed: your name, email address, and the loan details you enter (amounts, dates, interest rate, payment records). That's it.

Question 13

Does the software collect Social Security numbers, TINs, or bank account numbers?

Accepted Answer

No — never. We have no need for that information and we do not ask for it. Family Loan Tracker is a tracking and documentation tool, not a financial institution.

Question 14

Where is my data stored?

Accepted Answer

Your data is stored securely on encrypted servers. All connections use HTTPS encryption. Your data is never sold or shared with third parties.

Question 15

Who built this, and where are you based?

Accepted Answer

Family Loan Tracker was built by an independent developer from the Netherlands, now based in France. It started as a personal tool to manage a real family loan, and grew into a product for others in similar situations. Read the full story on our Our Story page.

Feature	Family Loan Tracker	ZimpleMoney	UsePigeon	Excel Spreadsheets
Pricing	$99 one-timeor $6.99/mo	$23+/mo	$19-$29/mo	Free (manual work)
Lifetime access		×	×	×
Automatic calculations				×
Multi-party access				×
PDF agreements				×
Payment reminders				×
One-tap payments (no fees)		×	×	×
Mobile access				×
Unlimited loans		×	×	×
Error-prone	×	×	×
Time-consuming	×	×	×

Manage your family loan professionally, not manually

Start tracking your loan

Forward together without financial friction.

No more awkward follow-ups

No more spreadsheet stress

No more tax or legal doubts

Fred

Professional tools for safe family lending.

Payment Tracking

Interest Management

Line of Credit

Payment Schedule

Multi-Party Access

PDF Export

Visual Analytics

Pay Now Links

Setup in minutes for years of clarity

Create Your Agreement (optional)

Monitor & Manage

Never worry about subscriptions again.

What our users are saying

Why Choose Family Loans?

Save on Interest

Flexible Terms

Easier Access

Why choose Family Loan Tracker?

Common Family Loan Scenarios

Home Down Payment

College & Tuition

Family Business

Debt Consolidation

Car Purchase

Ongoing Support

Frequently Asked Questions

What's included in the free 45-day trial?

Is the $99 really a one-time payment with no future charges?

Can both the lender and the borrower see the same loan?

Can I track more than one loan?

What if I need to change the loan terms after setup?

Can I track a debt that keeps growing, like rent or bills I cover each month?

Will I receive reminders for upcoming payments?

Can borrowers pay their loan payments through Family Loan Tracker?

Can I export my loan data?

Can I import the history from my spreadsheet?

Does the software generate 1099-INT or 1098 tax forms?

What personal information does the software collect?

Does the software collect Social Security numbers, TINs, or bank account numbers?

Where is my data stored?

Who built this, and where are you based?

Expert Insights & Resources

Expert insights, guides, and updates to help you navigate family loans with confidence.

How to Track a Family Debt That Grows Over Time (Unpaid Rent, Covered Bills)

Family Loan for Adoption Expenses: Why Who Pays the Agency Decides Your $17,670 Credit

Family Loan for IVF: How to Borrow From Parents Without It Becoming a Gift (or a Grudge)

Comprehensive guides and how-tos to help you master family loan management.

How to Export Your Full Amortization Schedule (PDF or CSV)

How Loan Ownership and Licenses Work

How to Handle Overdue Payments in Family Loan Tracker

Start Your 45-Day Free Trial Today