Loan Tracker

Lakshay Kaura

About this app

Loan Tracker helps you track loans you ALREADY have. It is a private tracking-and-calculation tool — it does NOT provide, offer, broker, arrange, facilitate, or refer loans, credit, or any financial product, and it never moves or holds money. There is no lending of any kind.

Loan Tracker is a private, offline-first way to see the truth about your loans — how much you really
owe, how fast you're paying it down, and exactly how far ahead of schedule your prepayments have put you.

This app helps you TRACK loans you already have. It does not offer, broker, arrange, or provide loans,
credit, or any financial product — there is no lending and no money movement of any kind.

WHAT YOU CAN DO
• Track multiple loans — home, car, personal — in one place.
• See your true remaining balance and your real payoff date, not the bank's original guess.
• Record every EMI and prepayment, and watch the balance shrink.
• Prepayment impact, in plain numbers: how much interest you've saved and how much sooner you'll be free.
• "What-if" explorer: try an extra payment and instantly see the new payoff date and interest saved.
• A month-by-month ledger that shows its working — interest, principal, and closing balance for each month.
• See how many years and months ahead of your original loan term you now are.

ACCURATE INTEREST MATH
The interest engine is built around how Indian banks actually charge — daily/monthly rest with an
ACT/365 day-count (SBI-style floating home-loan conventions) — and is reconciled to the rupee against
real statements. The numbers match your bank, not a rough approximation.

PRIVATE BY DESIGN
• No account required. The app is fully usable offline.
• No ads. No analytics. No tracking. No third-party data collection.
• Your loans, payments and settings stay on YOUR phone.
• Optional backup to YOUR OWN Google Drive (a hidden app-only folder) — you turn it on, and we never
receive a copy. The app can only touch the single backup file it creates, nothing else in your Drive.
• Delete everything anytime: Settings → Delete my data wipes local data, removes the Drive backup, and
revokes access.

Loan Tracker is a personal-finance tracking tool for adults who want a clear, honest picture of their
debt and the motivation that comes from watching it fall.

What’s new

What's new in 1.0.9:

• Check any month against your bank statement, right from the ledger
• A difference of ₹2 or less is called what it is — a match
• A bigger gap shows both figures and the quickest ways to close it