Track a friend-to-friend loan as payments actually happen. Log each payment — extra, biweekly, partial, or lump-sum — and see the recalculated balance, new payoff date, real interest, and interest saved. Interest accrues daily (actual/365), the companion to the Personal Loan calculator. Everything stays in your browser; nothing is uploaded.
Companion to the Personal Loan calculator — export its CSV and import it here to load the terms. Your data autosaves in this browser only.
Loan Terms
$
%
$
Auto-calculated from principal, rate, and term — edit if your real payment differs.
$
Auto-calculated from principal, rate, and interest-only period — edit if your real payment differs.
Scheduled Payment above is used for the amortizing phase, after this interest-only period ends.
Payments Received
$
Payment Ledger
Date
Amount
Memo
📊 Loan Status
Balance Remaining
—
principal outstanding
Payoff Amount Today
—
balance + interest owed now
Interest Paid to Date
—
Principal Paid to Date
—
Projected Payoff Date
—
if you keep paying the scheduled amount
Interest Saved vs. Plan
—
vs. scheduled payments only
Balance Over Time (actual + projected)
Recalculated Schedule
Date
Type
Days
Payment
Interest
Principal
Balance
Interest by Year — for the lender's taxable interest income
Year
Interest Paid
Principal Paid
Year-End Balance
How this is calculated. Interest accrues daily on the outstanding balance using a simple-interest, actual/365 method, and each payment is applied to accrued interest first, then principal (unless you switch it). Because real payments rarely land exactly on the scheduled date, these figures may differ by a dollar or two from the amortized schedule in your promissory note — this reflects what actually happened. Educational tool only, not legal or tax advice.