Debts & receivables
Two modules — Debts (money you owe) and Receivables (money owed to you).
Debts
Loans, credit-card balances on installment plans, BNPL, or anything you're paying off over time. Each debt has a flexible payment plan — a monthly cycle, a one-off balloon, a quarterly bonus payment, or any combination. The debt-free date on the list page shows when the latest active debt ends.
Payments + status
Record a payment with the Pay button to roll the schedule forward. You can Defer a debt (pause without losing the schedule) or Mark paid off when settled. The detail page shows the full schedule timeline plus payment history.
Receivables
Money you've lent and expect repaid. Same schedule + payment model as debts. Outstanding receivables count as an asset in net worth. If you decide the money won't come back, mark it Written off — it disappears from the outstanding total but stays in the audit trail.