Track Debts and Loans
Borrowed money isn’t income, and money you lent isn’t an expense. moni keeps both apart in Debts and Loans, with who, how much and until when.
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Add a debt
Open Debts from the Balance card or Menu, tap +, pick where the money went, like Wise, and type how much: 400 dollars.
Add who lent it, Sam, and when you’ll pay it back. moni reminds you three days before that day, and then on the day itself.
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Your Balance and Debts grow
The money is in Wise now, so your balance goes up. The Debts tile under it shows what you owe in all: 7.16 million rupiahs.
None of it counts as income or as an expense: a debt is money you hold for a while, so your Stats stay honest about it.
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See every debt
The Debts page lists what you owe, to whom and until when. Swipe one right once it’s paid back: it goes to Closed debts.
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Lent money? Add a loan
Loans work the other way round: from Cash to Loans, 1,500,000 rupiahs lent to Nina, to be paid back by September 30, 2026.
Your balance goes down by the loan, as the money is out of your hands. The Loans tile keeps it in sight until it’s back again.
