PRICING
The full workflow is free, forever. Pro adds power-user tools as they ship.
No card required to start. The full lending workflow (ledger, analytics, exports, decision tracking, and Signal Search, after a quick account approval) is free for good. Pro adds a synced watchlist with alerts, and your own loans with someone, marked on their record; your local ledger keeps working even if you cancel. Max is under construction.
Free
$0forever
The full lending workflow, free for good.
- ✓ Full local ledger: borrowers, loans, repayments, due dates, notes
- ✓ All stats & charts: trends, leaderboard, multi-currency
- ✓ Exports (CSV / JSON), currency converter, snippets
- ✓ Decision Recorder + reason codes
- ✓ Signal Search: a borrower's reported history before you lend (after a quick approval)
Pro
$5/ month
Memory and reach across the network, for people who lend often.
- ✓ Everything in Free
- ✓ Watchlist synced across devices: the handles you watch follow you
- ✓ Alerts when a watched handle is reported: in your inbox, and by email if you opt in
- ✓ You and this person: your own loans with someone, marked on their record
Max Under construction
$12/ month
Soon
Under construction. Not available to buy.
- ✓ Everything in Pro
- ✓ Automatic ledger fulfillment
- ✓ Advanced warning detection & reports
What's in each plan
Loan Ledger is free for the full lending workflow: ledger, analytics, exports, decision tracking, and Signal Search (after a quick account approval). Pro adds a synced watchlist with alerts and your own loans with someone, marked on their record. Max is under construction and cannot be bought.
| Feature | Free | Pro |
|---|---|---|
| Ledger: borrowers, loans, repayments, due dates | ✓ | ✓ |
| Calendar + agenda, schedule pills, privacy blur | ✓ | ✓ |
| All stats & charts: trends, leaderboard | ✓ | ✓ |
| Multi-currency roll-up | ✓ | ✓ |
| Exports: CSV / JSON | ✓ | ✓ |
| Currency converter, snippets, contact methods | ✓ | ✓ |
| Decision Recorder + reason codes | ✓ | ✓ |
| Browse communities, single-community filter | ✓ | ✓ |
| Report a default · lender inbox · nav bell | ✓ | ✓ |
| Signal Search: a borrower's reported history (after approval) | ✓ | ✓ |
| Feature | Free | Pro |
|---|---|---|
| Watchlist synced across devices | — | ✓ |
| Alerts when a watched handle is reported: inbox, and email if you opt in | — | ✓ |
| You and this person: your own loans with someone, marked on their record | — | ✓ |
Max is under construction and cannot be bought. Its intended shape (automatic ledger fulfillment and advanced warning detection) is not built, and nothing here is a commitment to a date or a price.
Questions
Is the Free tier really free?
Yes, $0 forever, no card required, no trial countdown. Free is the whole lending workflow, including Signal Search after a quick approval. You move to Pro for the synced watchlist, its alerts, and your own loans marked on a person record.
What happens to my data if I cancel Pro?
Your local ledger keeps working. The data is yours. Cancelling drops you to the Free feature set, it does not lock or delete your borrowers, loans, or notes.
Why flat $5/mo instead of charging by volume?
Predictable spend. $5 is $5 next month no matter how large your book grows: no usage audit, no surprise bill.
What is Signal Search?
A moderated, network-wide lookup of a borrower's reported history before you lend. It draws on network records, never your private ledger notes. It's included free for every approved account. See Signals →
What's live in Pro right now?
A watchlist that syncs across your devices, alerts in your inbox (and by email if you opt in) when a watched handle is reported, and your own loans with someone, marked on their record. That is the whole of Pro today. Free already covers the full lending workflow, including Signal Search after approval.
Start free. Upgrade when it pays for itself.
Free forever. No card required. Cancel Pro anytime. Your local ledger keeps working.