Loaner Pro vs DivvyUp

**Track loans where you're the lender—simple, powerful, and built for iOS.** Loaner helps you manage personal loans you've made to friends, family, or business partners. Calculate daily compound interest automatically, log payments as they come in, and generate reports for tax time. **WHY LOANER?** • Built for lenders, not borrowers • Privacy-first: all data stays on your device • No subscription, no account required • Clean iOS design that feels native **CORE FEATURES** Daily Interest Calculations • Automatically calculate compound interest that accrues daily • See exactly how much you're earning every day • Track principal and interest separately Payment Tracking • Log payments with flexible allocation strategies • Choose "Interest First" (standard practice) or "Principal Only" (aggressive paydown) • Custom split for special arrangements • See real-time preview of how each payment impacts the loan Multiple Loans • Track unlimited loans across different borrowers • Each loan has its own interest rate and payment history • See total amounts owed at a glance Capital Management • Add additional investments to existing loans • See how new capital affects daily interest earnings • Complete transaction history for every loan Tax Reports • Export full transaction history to CSV • Organized by year for easy tax filing • Includes all capital additions, payments, and interest calculations • Works with any tax software or accountant **WHO IS THIS FOR?** • Family members lending to relatives • Friends making personal loans • Small business owners lending to partners • Anyone tracking money they've lent with interest **YOUR DATA IS YOURS** Loaner stores all data locally on your device using Apple's secure SwiftData framework. No cloud sync, no account, no tracking. Your financial information never leaves your iPhone or iPad. **SIMPLE BY DESIGN** We intentionally keep Loaner focused and simple: • Daily compound interest (the standard) • Clean transaction history • Easy payment entry with instant preview • No complicated features you'll never use **GETTING STARTED** 1. Tap "Add Loan" to create your first loan 2. Enter borrower name, start date, amount, and interest rate 3. Log payments as they're received 4. Export reports at tax time That's it. No learning curve, no tutorials needed. **PRIVACY POLICY** Loaner collects zero data. Everything stays on your device. We don't have servers, accounts, or analytics. Your loans are your business.

DivvyUp lets users split bills seamlessly. By using on-device AI models, the app scans a user's receipt and itemizes it for them to split up with friends. Tax and tip, as well as splitting of actual items, are calculated proportionally, so everyone pays for what they ate. Using in-app Venmo, Zelle, CashApp, and PayPal handles, users can pay each other the correct amount with the tap of a button. Connect with friends and split easily using DivvyUp.