Borro: Lend & Borrow Tracker

AroraLabs

In-app purchases

About this app

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 for cloud backup and to share with friends.
• 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.

ON YOUR WEAR OS WATCH
Borro comes with a Wear OS app for your watch. Check your net balance and who owes what, approve or decline pending shared entries, friend requests and group invites, and settle up with someone — all from your wrist. Add the Borro tile to your watch's tile carousel to see your balance with a single swipe from the watch face. The watch app works alongside Borro on your phone: sign in once on the phone and the watch follows.

PRIVATE BY DESIGN
Your ledger lives on your device. Nothing leaves it unless you turn on cloud backup or share an entry. We never sell your data and never show ads. Export or delete everything, anytime.

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
• Automatic cloud backup & restore
• Friend sync with mutual confirmation
• Attach photo receipts locally
• Insights summary & highlights
• Wear OS watch app + balance tile
• No ads, ever

BORRO PRO
Everything in free, plus the power tools:
• 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 150+ 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.

━━━━━━━━━━━━━━━━━━━━━━━━

GET IN TOUCH
Report issues in-app — tap the You tab, then Feedback
Email: [e-mail]
Website: https://borro.aroralabs.org
Terms of Use: https://borro.aroralabs.org/terms/
Privacy Policy: https://borro.aroralabs.org/privacy/

Built by Arora Labs · aroralabs.org

What’s new

Add a friend by @username — no email needed. They get a request first, and nothing of theirs is shared until they accept.

Also in this update:
• Clearer Plans screen — one price card that doesn't jump about
• Add-person sheet fits properly on large display sizes
• Removed a third-party avatar lookup, so your contacts' email addresses stay private