# Lendnote: Smart Debt Tracker — IOU, Loan Records & Reports > IOU, Loan Records & Reports (iPhone/iPad app by Nam Truong Phuong.) - Source: https://appshunter.io/ios/app/lendnote-smart-debt-tracker/id6774566739 (this page in markdown: same URL + `.md`) - Developer: [Nam Truong Phuong](https://appshunter.io/developer/6774566741) - Category: Finance, Productivity - Price: Free - Age rating: 4+ - Requires: iOS 16.0 · 55 MB - Languages: American English, Arabic, Bangla, Khmer, Dutch, Filipino, French (France), German (Germany), Hindi, Indonesian and 19 more - Released: 2026-06-03 - Data updated: 2026-08-27 - User reviews in markdown: https://appshunter.io/ios/app/lendnote-smart-debt-tracker/id6774566739/reviews.md ## What is Lendnote? Tired of forgetting who owes you money - or how much you still owe a friend? Lendnote is a simple debt tracker and loan tracker that helps you record every amount you lend and borrow, so no debt ever slips through the cracks. Whether it's a small loan to a friend or money you borrowed last month, Lendnote keeps your personal finances clear, organized, and always up to date. KEY FEATURES SMART AI INPUT Just type naturally - "Lent John $50 for lunch" - and let AI instantly parse it into a structured transaction. No tedious forms. Review and confirm in one tap. TRACK LENDING AND BORROWING Record four transaction types: Lend, Borrow, Collect, and Repay. Every loan becomes a clear debt record you can follow from start to settled. SMART DASHBOARD See your net balance at a glance - total money owed to you, total you owe, due-soon reminders, and your most recent transactions, all on one screen. STATISTICS AND TRENDS See how much you lend and borrow over time. Pick a period, compare one month against the next, and spot the pattern behind the numbers. PDF STATEMENTS Turn any debt into a clean PDF statement. Preview it first, then send it from any app - handy when someone would rather have the details in writing. PHOTO PROOF Attach photos to a transaction and keep proof of what actually changed hands. INTEREST TRACKING Record an interest rate on a debt and see how much has built up. Interest is shown for reference and is never added to the balance on its own. PARTIAL PAYMENT TRACKING Collecting or repaying money in installments? Lendnote automatically applies each payment to the oldest debt first and updates the remaining balance for you. DEBT RECORDS AND STATUS Monitor every debt through clear stages: Active, Partially Paid, Settled, and Overdue. Progress bars show exactly how much is left. CONTACT MANAGEMENT Organize debts by person. Instantly see each contact's net balance, active debt count, and overdue alerts in one place. DUE-DATE REMINDERS Set a due date on any loan and get a local notification when repayment time arrives. Never chase a forgotten debt again. READY-TO-SEND REMINDERS Need to ask for your money back? Lendnote writes the message for you - choose the tone, edit it if you like, and send it from the app you normally use. SHAREABLE RECEIPTS Share any debt as a tidy receipt image, so both sides are looking at the same record. POWERFUL SEARCH AND FILTERS Find any transaction or debt record fast - search by name or note, filter by type and status, and sort by date or due date. WHY CHOOSE Lendnote PRIVATE BY DESIGN All financial data is stored locally on your device. Your transactions and contacts never leave your phone. APP LOCK Keep Lendnote behind your fingerprint or face, using the lock your device already has. Nothing extra to set up, no PIN to forget. NO ACCOUNT NEEDED Start tracking debts immediately. No sign-up, no email, no hassle. FAST AND INTUITIVE A clean, modern interface designed to log a loan in seconds. AI THAT SAVES TIME The smart parser turns everyday language into accurate records, so you spend less time on data entry. PERFECT FOR Tracking loans between friends and family Keeping proof and paperwork for loans between people who know each other Remembering small IOUs that add up Anyone who wants a clear money lending app without spreadsheets Stop relying on memory and messy notes. Download Lendnote today and take control of every loan you give and every debt you owe - the simple, private debt tracker that keeps your money organized. ## Version history (last 5 releases) ### 1.2.2 — 2026-08-19 This update brings small fixes and improvements to keep everything running smoothly. Thanks for using Lendnote! ### 1.2.1 — 2026-08-17 This update brings smaller fixes and improvements to keep everything running smoothly. Thanks for using Lendnote! ### 1.2.0 — 2026-08-13 This update makes it easier to stay on top of your debts: • Any debt can now be sent as a proper PDF statement. • A new statistics screen shows how your lending and borrowing move over time. • You can attach photos to a transaction, so there is proof of what changed hands. Debts can also carry an interest rate now, and the app shows what has built up. Thanks for using Lendnote! ### 1.1 — 2026-08-11 This update makes it easier to keep track of what people owe you, and to keep it private. • You can now send a reminder with the message already written for you. • Any debt can be shared as a clean receipt image. • And you can keep Lendnote locked with your fingerprint or face. The app also looks better on tablets and at larger text sizes, along with a few small fixes. Thanks for using Lendnote! ### 1.0.7 — 2026-08-11 Every last bit of text in the app now shows up in your language. Plus a few small improvements and bug fixes. Thanks for using Lendnote! ## More apps by Nam Truong Phuong - [Fincal: Loan & Interest Calc](https://appshunter.io/ios/app/fincal-loan-and-interest-calc/id6783214662) - [Punyo - Make Merit Every Day](https://appshunter.io/ios/app/punyo-make-merit-every-day/id6792414568) All apps by Nam Truong Phuong: https://appshunter.io/developer/6774566741 --- *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 2026-08-27.*