Understand your personal borrowing tracker
Personal borrowing belongs to the individual account holder. Lender teams, business colleagues and advisers do not inherit access to this area. The Phase 4 candidate is awaiting complete hosted verification and is not open for real financial data.
Start from a current balance
Choose the borrowing type, lender, masked reference, currency and tracking start. Record principal, known interest and fees from a statement, contract or estimate. No earlier transactions are invented.
Review repayments and imports
Map CSV or Excel fields, validate all rows and review one atomic import. Review each repayment with its date, currency, method and optional reference. Leave allocation visibly unresolved when unknown. Recorded by you does not mean bank-verified.
Compare statements and schedules
Compare a statement balance without overwriting your record. Forecasts use explicitly supported methods and retain versions. Card statement balance, current balance and minimum due have different meanings. Paying the minimum does not clear the debt or guarantee that interest stops.
Opt in to private reminders
The candidate supports a persistent in-app inbox with a time zone, preferred hour and quiet hours. Estimate-only forecasts do not create reminders. Confirmed payments, closure and cancelled obligations suppress pending notifications. Email, SMS and push are not enabled.
Export and preserve ownership
Personal CSV, Excel and print-to-PDF reports show source, scope, currency and date. Restricted lender records are never silently copied. Linking and private evidence uploads remain disabled pending their verified Phase 2 and document dependencies.
Check your result
- Different currencies remain separate.
- An unresolved allocation remains visible.
- No business report includes personal liabilities.
- Pending release gates are disclosed before entry.