A payment date passes without anyone recording it, and the next time you open the loan, something has clearly changed color. Here is exactly what happened and what to do about it.
What overdue actually means here
A scheduled payment becomes overdue the moment its due date is in the past and nobody has recorded it as paid yet. That is the whole rule. Family Loan Tracker does not add a late fee, does not change the interest rate, and does not recalculate the schedule because a payment is late. The amount due for that period stays exactly what it always was, the same figure you would see on the loan dashboard on any other day.
What you will see
The periodic payment card turns red, and the total due figure does too. In Upcoming Payments, the overdue row is highlighted, marked with a warning icon, and its Record Payment button turns red. A small badge next to the table header counts how many payments are overdue, with a Mark All Paid button beside it.
Clearing it
Record the payment the same way you would any other, backdated if the money actually moved on the original due date. The moment it is recorded, the row returns to normal and the red styling disappears, because overdue is calculated fresh every time the page loads, not stored as a flag that lingers after the fact.
If several payments piled up, for a loan you are catching up on after a gap, say, Mark All Paid records every currently overdue payment at once instead of one at a time. Use it once you are confident all of them were actually received; it does not ask you to confirm each one individually.
If the payment was never actually made
Overdue is not the same as forgiven. If a family loan payment is genuinely missed rather than just unrecorded, leave it overdue rather than marking it paid to make the color go away. The balance and total interest figures stay accurate for as long as the payment sits unrecorded, which is exactly the record you want if the two of you need to talk about what happens next. Our guide on what to do when a family member stops paying covers that conversation and the options beyond just waiting.
