If you’ve ever lent a friend money, bought something on credit from a local shop, or split a bill you’ll settle later, you’ve probably tried to keep track of it the same way most people do: a note in your phone, a line in a spreadsheet, or just memory. All three break down the same way — someone pays back part of it, and now you’re doing mental math to figure out the new balance, and a year later neither of you agrees on the number.
We wanted to see what it would take to make that problem actually go away, not just look nicer. Here’s what that looks like in practice.
What you actually see
Add a loan you gave someone, and their balance in the app goes up — they owe you more. Add a deposit they gave you, or something you bought from them on credit, and it goes down — you owe them more. A plain cash purchase, the kind where money and goods change hands on the spot, doesn’t touch anyone’s balance at all, because there’s no debt involved.
That balance updates the moment you save the entry. You never recalculate anything by hand, and you never see a number that’s one transaction behind. Each contact has their own balance, visible the moment you open their profile — exactly what they owe you, or what you owe them, right now.
The part spreadsheets get wrong: knowing what a payment actually is
Here’s the detail we think is worth explaining, because it’s the difference between “tracks numbers” and “understands what’s happening.”
Say someone owes you 100. They pay you 60. Obviously that’s a partial repayment — balance goes to 40. Now say they pay you 150 instead. That’s not just “a repayment” — it’s a full repayment of the 100 plus a new 50 loan in the other direction, because now you owe them. A spreadsheet just shows you a new number. It doesn’t tell you that what just happened was actually two different things at once.
Amunta gets this right on screen, automatically. The entry is labeled for what it actually is — a partial repayment, a full repayment, or, in that compound case above, a repayment that also opens a new loan in the other direction — without you having to pick a category or do the math yourself. You just see the correct label and the correct balance, every time.
What this looks like day to day
Each contact gets their own ledger screen: every transaction that touched the balance, in order, with the running total at each point. If there’s a dispute about when something happened or how much was paid, the answer is one screen, not a reconstructed memory. The ledger can be exported as a PDF, which matters if “I have a record of this” needs to mean something to someone other than you.
What this isn’t
This is a personal bookkeeping tool, not a collections system and not legal documentation. It won’t send anyone a reminder they’re contractually obligated to honor, and a screenshot of an app isn’t the same thing as a signed agreement. What it does solve is the much more common problem: knowing, accurately and without guessing, where you stand with the specific people you actually lend money to or borrow from.