Borro vs Defterix

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/

Lending money to friends, family, or colleagues is a common part of daily life, but keeping track of those informal debts can easily become awkward. Defterix is a premium, offline-first personal debt tracker and loan tracker built to remove the friction from personal loan tracking. Whether you need a simple IOU tracker, a shared expense ledger, or an offline money tracker to manage money you lend and borrow, Defterix makes it easy to keep your shared balances clear. Set automated debt reminders, manage open balances, and track your money with absolute privacy. WHY USE DEFTERIX AS YOUR DEBT TRACKER? • 100% OFFLINE & PRIVATE MONEY TRACKER Your financial records are your business. Defterix is an offline-first loan tracker, meaning all your loans, transactions, and contact names are stored strictly on your local device. We have no databases, require no account registrations, and do not track or sell your data. It is a completely private IOU tracker that works offline, even without cell service. • SMART LOCAL DEBT REMINDERS Never let a payment slip through the cracks. Defterix functions as a proactive debt manager by scheduling automated morning system notifications when a loan is due or overdue. Because it runs locally, no background servers track your notifications, keeping your reminders and alerts quiet and private. • PREMIUM LEND AND BORROW DASHBOARD Open the app and immediately see who owes you and who you owe. Tap on any contact to view detailed lend and borrow history, settle outstanding balances, or add new debt tracker records in seconds. • PREMIUM DUAL THEMING Enjoy a clean, state-of-the-art interface that matches your style. Defterix features a custom typography layout and transitions seamlessly between a crisp Light Mode and a battery-saving Dark Mode based on your system preferences. • BILINGUAL SUPPORT Fully localized and ready to use in both English and Dutch. HOW THIS LOAN TRACKER WORKS: 1. Open the app (no signup required). 2. Tap the "+" to add a record to your IOU tracker. 3. Enter the amount, select whether you lend or borrow, add the person's name, and pick a payback date. 4. Set up an optional automatic morning debt reminder. 5. Settle or adjust the loan with one tap when paid back. Simplify your personal finance tracking today. Download Defterix, the ultimate offline debt tracker, and keep your informal loans and debts organized, beautifully.