My Tabz vs Kinlend

Tabz is the easiest way to remember the money you need to give and receive from your friend, family, or business. It's like a tab that you have at a bar or between friends. You can use Tabz to: - Keep track of money a family member has borrowed from you - Remember the amount you need to collect from a friend for picking up and paying for their groceries. - Keep track of refunds that need to come in from an online return Tabz is different from other apps.   - No bank account or credit card info is needed. Taz is a tool for communicating and staying in sync about money exchanges and NOT for making payments. - No group expense splitting. Tabz maintains a separate tab and balances for each person from whom you need to give and receive money. Tabz is intentionally crafted to do just one thing really well- remember the money you need to give and receive to another person. It is delightfully easy to use and purposefully nonintrusive.   Give it a try and you'll discover it's many uses.

Kinlend turns a loan between people who trust each other into a clear, written agreement and a simple payment plan you can both follow to payoff. Kinlend is a tool, not a lender. No money ever moves through Kinlend. The cash goes directly between you and the other person, exactly as it would without us. We just keep the record straight so you both see the same plan and the same progress. What you can do: - Write up a plain-language agreement and both sign it. - Build a payment schedule, or keep it interest-free, which is the default. - Track payments to payoff, with optional reminders. The fine print, up front: - Kinlend is not a bank or a lender and gives no legal or financial advice. - The all-in yearly rate (interest plus any fees) is capped at 36% APR. - A loan must be scheduled to run more than 60 days. - You and the other person choose the amount, rate, and length. Representative example: borrow $1,000 at 10% APR over 12 monthly payments of about $87.92, roughly $55 total interest, about $1,055 paid back in all. Subscriptions (optional): Contract ($0.99/month) and Manual tracking ($4.99/month). Each is a 1-month auto-renewing subscription. One plan covers all your loans. Cancel anytime in your App Store account settings. Terms of Use: https://kinlend.app/app/#/terms Privacy Policy: https://kinlend.app/app/#/privacy