Tracking Debts and Loans
Track mortgages, personal loans, and money owed to or from you. Log repayments and see your remaining balance at a glance.
Two directions of debt
Finzu tracks debts in two directions:
I owe — a loan or credit balance you need to pay off (mortgage, car loan, money borrowed from a friend).
Owed to me — money someone else owes you (a loan you gave a friend, a security deposit you're owed).
Both types appear on the Debts & Loans page and factor into your net worth calculation.
Add a debt
Go to Debts & Loans → tap + Add debt.
Fill in: name, direction (I owe / Owed to me), the original principal, interest rate (APR), minimum payment, and the next due date.
Optionally link it to an account — if the debt is a credit card you're already tracking as an account, linking it avoids double-counting in net worth.
Tap Save.
Tip: For a mortgage or car loan, the principal should be the current outstanding balance, not the original loan amount.
Log a repayment
Open the debt and tap Log payment. Enter the amount and date.
The remaining balance updates immediately. Over time you'll see the balance decrease with each payment.
Net worth impact
Debts you owe reduce your net worth. Debts owed to you increase it. Finzu adds both into the net worth figure on your dashboard automatically — you don't need to do any manual adjustment.
Debts linked to an account are excluded from this calculation to avoid counting them twice.