A Simpler, More Affordable Alternative to ZimpleMoney
Professional family loan management without the complexity and high monthly fees. One-time payment, unlimited loans, no transaction fees — and borrowers pay in one tap via Venmo, PayPal, Zelle & more.
“I used ZimpleMoney for 9 years but they started charging huge fees for a simple family loan. Family Loan Tracker is a good, simple way to track loans—that's all I need it to do. I compared payment schedule & interest calculations with ZimpleMoney & it was within one cent, so that part is good too.”
Fred
Former ZimpleMoney User
Why Look for a ZimpleMoney Alternative?
ZimpleMoney is built for businesses. For families, there's a better way.
High Monthly Costs
ZimpleMoney charges $23-$77/month plus $23 per loan setup, and every ACH payment costs another $1.50 + 2% (minimum $4.99). For a typical 5-year family loan, that adds up to $2,000+ in fees—often more than the interest you're saving.
Business Complexity
Designed for professional lenders managing dozens of loans. Features like merchant applications, payment processing, and compliance tools you don't need for family loans.
Poor Value for Families
Monthly subscriptions that add up over years. Transaction fees on every payment. Setup fees per loan. It's expensive overkill for 1-3 family loans.
Built Specifically for Families
Family Loan Tracker gives you everything you need for family loans—without what you don't.
Designed for Family Loans
Simple, transparent tracking for loans between family members. No business features, no complexity—just what you need to manage family loans professionally.
Simple & Affordable
One-time payment of $99 (limited time offer - price will increase). No monthly fees, no transaction fees, no setup fees. Unlimited loans included.
Family Loan Tracker vs ZimpleMoney
See why families choose Family Loan Tracker over ZimpleMoney
| Feature | Family Loan Tracker | ZimpleMoney |
|---|---|---|
| Pricing | $99 one-timeor $6.99/month | $23-$77/month + $23/loan |
| Lifetime access | ||
| Unlimited loans | ||
| No transaction fees | ||
| One-tap borrower payments | Free — Venmo, PayPal, Zelle, Cash App & payment links | $1.50 + 2% per ACH payment (min $4.99) |
| No setup fees | ||
| Multi-party access | ||
| PDF agreements |
How It Works
Get started in minutes, not days
Create Your Loan
Set up your loan agreement in minutes. Enter amount, interest rate, and terms. Generate a professional PDF agreement.
Track Payments
Record payments as they happen. Automatic interest calculations. Real-time balance updates. Both parties see everything.
Manage & Export
View payment history, generate reports, export PDFs for tax purposes. Everything you need in one place.
Perfect for Family & Private Loans
Ideal for common family lending scenarios
Home Down Payment
Help family members with home purchases. Track payments, calculate interest, maintain transparency.
Education Costs
Support children or grandchildren with education expenses. Professional documentation and payment tracking.
Family Business
Fund family business ventures with clear terms, interest tracking, and professional documentation.
Simple, Transparent Pricing
Choose the plan that works for you. No hidden fees, no surprises.
Start with a 45-day free trial. No credit card required.
Frequently Asked Questions
Everything you need to know about switching from ZimpleMoney