Borro vs BorrowLog

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/

BorrowLog helps you keep a clear and reliable record of money borrowed and lent between friends, family members, colleagues and other trusted contacts. Instead of relying on messages, handwritten notes or memory, BorrowLog keeps repayment details, balances, interest and payment history organised in one convenient place. With BorrowLog, you can: • Record money you have borrowed or lent • Invite the other person to view a shared record • Track full and partial repayments • See outstanding and repaid balances • Calculate agreed interest • Create structured repayment plans • Set payment dates and reminders • Monitor repayment progress • Add notes to each borrowing or lending record • Maintain a transparent transaction history SHARED RECORDS Create a record and share it with the other person involved. Both parties can view the agreed amount, repayment details, remaining balance and payment history. REPAYMENT TRACKING Record full or partial repayments and keep an accurate overview of how much has been paid and how much remains outstanding. INTEREST CALCULATIONS Add an agreed interest rate and let BorrowLog calculate repayment amounts clearly. This helps both parties understand the expected repayment terms. PAYMENT PLANS AND REMINDERS Create repayment schedules, set due dates and receive reminders for upcoming or overdue payments. CLEAR AND ORGANISED HISTORY Keep borrowing and lending information separate from chats, notes and spreadsheets. Every update remains organised within the relevant record. BorrowLog is designed for personal agreements between people who already know and trust each other. It helps reduce confusion by keeping the details transparent and easy to understand. BorrowLog does not provide loans, transfer money, make lending decisions, collect repayments or connect users with commercial lenders. It is a private record-keeping, calculation and reminder tool for agreements made outside the app. Keep borrowing and lending organised with BorrowLog.