# Borro: Lend & Borrow Tracker — Who owes who, split & settle

> Who owes who, split & settle (iPhone/iPad app by Shubham Kumar.)

- Source: https://appshunter.io/ios/app/borro-lend-and-borrow-tracker/id6767099629 (this page in markdown: same URL + `.md`)
- Developer: [Shubham Kumar](https://appshunter.io/developer/1892987442)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.5 · 143 MB
- Languages: American English
- Released: 2026-07-29
- Data updated: 2026-08-23
- User reviews in markdown: https://appshunter.io/ios/app/borro-lend-and-borrow-tracker/id6767099629/reviews.md

## What is Borro?

Borro is a calm, private way to track money between friends and family — who owes you, what you owe, and everything in between. Log a loan in seconds, split a group trip, and settle up when you're square. Offline-first: start instantly, no account needed.

WHY BORRO
• Offline-first — start tracking instantly, no sign-up.
• Sign in to share with friends and split group expenses.
• 150+ currencies with daily exchange rates.
• No ads. Ever.

TRACK WHO OWES YOU — AND WHO YOU OWE
Pick "I lent" or "I borrowed", choose the person, enter the amount. Borro shows your balance per person and overall, so you always know where you stand.

SPLIT GROUP EXPENSES
Create a group for a trip, shared rent, or a team lunch. Split equally or your own way, and Borro tracks each member's balance. Shared entries are confirmed by the other person before they hit the ledger — no surprises, no disputes.

SETTLE UP, THE EASY WAY
Settle a balance in a tap, or scan a friend's QR code to connect and settle instantly. Partial payments fully supported.

MULTIPLE CURRENCIES, LIVE FX
Set a secondary display currency and Borro shows a conversion beside every amount — updated daily and cached, so it works offline too.

PRIVATE BY DESIGN
Your ledger stays on your device — we don't upload your transactions unless you share an entry or turn on Pro cloud backup. We never sell your data and never show ads. Export or delete everything, anytime.

Wrist Control — see your balance and who owes who on Apple Watch.

WHAT'S FREE
• Unlimited people & transactions
• Track who owes you & what you owe
• Group splits (up to 2 groups)
• Settle up + QR connect
• Due-date reminders & manual nudges
• Friend sync with mutual confirmation
• Attach photo receipts locally
• Insights summary & highlights
• No ads, ever

BORRO PRO
Everything in free, plus the power tools:
• Cloud backup & restore — your ledger, safe in the cloud and back on any device
• Multi-device sync — use Borro on all your devices, always in sync
• Advanced insights & forecasts — 30-day trend, monthly lent vs borrowed, a "looking ahead" forecast, and who you deal with most
• Scan receipts — Borro reads the total off a printed receipt for you, fully on-device
• Recurring transactions — set weekly or monthly and it auto-fills the series
• Auto-reminders — gentle nudges sent automatically, so you never have to chase
• PDF statements — export a clean statement per person or overall
• CSV import & export — bring your data in, take it anywhere
• Live currency converter — convert world currencies with daily rates, works offline
• Unlimited groups — go beyond the free 2
• Home-screen widget — your net balance at a glance
• App Lock — Face ID, Touch ID, or passcode
• Premium themes — recolour the whole app to your taste

Invite a friend and you both get 7 days of Pro, free.

Start free. Upgrade anytime. Cancel anytime. Choose weekly, monthly, or yearly.

Questions? support@aroralabs.org

SUBSCRIPTION TERMS
Borro Pro is an auto-renewing subscription (weekly, monthly, or yearly). Payment is charged to your Apple Account at confirmation of purchase. It renews automatically unless cancelled at least 24 hours before the end of the current period; manage or cancel in your Apple Account settings. Any unused portion of a free trial is forfeited when you buy a subscription.
Terms of Use: https://borro.aroralabs.org/terms/
Privacy Policy: https://borro.aroralabs.org/privacy/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Borro Pro (Weekly) | $0.99 | per 7 days |
| Borro Pro (Monthly) | $2.99 | per month |
| Borro Pro (Yearly) | $14.99 | per year |



## Version history (last 2 releases)

### 1.1.0 — 2026-08-18

Add a friend by @username — no email needed, and nothing of
theirs is shared until they accept.

Adding people now asks how first: QR, username, or details.

Borro no longer looks anyone up by email with an outside
service — your contacts' addresses stay private.

Other app refinements and smoother experiences

### 1.0 — 2026-07-29

No release notes.

## More apps by Shubham Kumar

- [Thinko: Brain Games & Quizzes](https://appshunter.io/ios/app/thinko-brain-games-and-quizzes/id6762118002)

All apps by Shubham Kumar: https://appshunter.io/developer/1892987442

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-23.*