FlashBill vs Lendnote

FlashBill is your personal finance tracker: fast to use, clear to read, and it never connects to your bank. RECORD IN SECONDS Log income or an expense in a few taps. From your phone's home screen you can record a transaction without even opening the app. YOUR ACCOUNTS AND CARDS Cash, debit and credit cards with their statement and payment dates. Transfers between accounts, installment purchases and recurring transactions that generate themselves. MY LOANS Keep track of who owes you and who you owe, with partial payments and a balance that is always up to date. If the other person also uses FlashBill you can link up, and every transaction shows in both apps without anyone having to send a reminder. RECEIPTS AND MULTIPLE CURRENCIES Attach a photo of the receipt to a transaction and work with more than one currency, with its exchange rate. REPORTS YOU ACTUALLY UNDERSTAND Charts by category, by account and by period, so you can see where the money goes without reading a spreadsheet. YOUR MONEY STAYS HERE FlashBill never connects to your bank and never asks for banking credentials. Your transactions travel end-to-end encrypted: not even we can read them. And the little that does leave your phone — crash reports and usage statistics — is spelled out on the welcome screen, with its switch in plain sight so you can turn it off whenever you want. FREE AND PREMIUM Free: two devices and everything essential to keep your accounts. Premium: up to 20 accounts and cards, up to 100 custom categories, photos on your transactions, up to 5 simultaneous devices, the complete "My Loans" section, shared finances and priority support. Spanish, English and Portuguese. Light and dark mode.

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.