Payables

The money you owe, out of your head at last

Borrowed for lunch, covered by a friend, owed to your cousin since the move — informal debts live in the back of your mind and rarely leave gracefully. Syncrofin gives them a home: who you owe, how much, and by when, with part-payments tracked and the person a tap away. Clarity that protects your money and your friendships.

Get Started
Friends settling up with the money you owe tracker app
Hero image 1
Person paying a friend back, tracked in the payables app
Hero image 2
Friends all square after settling shared expenses
Hero image 3
Every debt, named

Who you owe, how much, and by when

The debts that damage friendships are almost never the big ones — they’re the small ones quietly forgotten. Record each as it happens: the person, the amount, a line about what it was for, and the date you mean to settle. Off your mind, onto a list you trust.

It’s not about formality. It’s about never being the friend who forgot — and never lying awake wondering whether you did.

  • Name the person, the amount and what it was for
  • Set a due date so intentions become commitments
  • Every debt in one place, off the back of your hand
Noting money you owe a friend
Honest to the last unit

Pay it down bit by bit, tracked exactly

Real debts rarely clear in one clean payment. Chip away at what you owe and Syncrofin follows every part-payment, always showing the true remaining balance rather than pretending a partial settlement closed the whole thing.

A debt is only marked done when it genuinely is — the balance reaches zero and not a moment sooner. No wishful accounting, no premature ticks.

  • Record part-payments toward any debt
  • The true remaining balance, always
  • Settled only when the balance truly reaches zero
Paying a friend back part of what you owe
A nudge without the awkwardness

The person, a single tap away

Settling up shouldn’t mean digging through your contacts. Keep a number with the debt and reach the person directly — a tap to call when it’s time to sort things out, quietly and without fuss.

It’s the small convenience that makes the awkward thing easy: one tap, one call, one debt closed.

  • Keep a phone number with each debt
  • Tap to call the person directly
  • Makes settling up a two-tap affair
A friendly call to settle money you owe
Peace of mind, restored

A clear view of everything outstanding

Totals at the top tell you exactly where you stand — what’s outstanding, what you’ve paid, what’s slipping past its date — while settled debts tuck neatly away, out of sight but never lost.

The whole point is the quiet it brings: your obligations gathered, visible and under control, so they stop renting space in your head.

  • Totals for outstanding, paid and overdue
  • Settled debts collapse away, kept for the record
  • Everything you owe, calmly under control
At peace with every debt settled
Questions

Money you owe, answered

Informal debts you owe — the person, the amount, what it was for, and a due date. Part-payments are tracked, and you can reach the person with a tap to call.
Yes. Pay a debt down in stages and the true remaining balance is always shown. A debt is only marked settled when its balance genuinely reaches zero.
Due dates are surfaced within the app so you can see what’s outstanding and what’s overdue at a glance. Settling is kept simple and in your hands.
Yes. Keep a phone number with the debt and tap to call directly when it’s time to settle up.
Tracking money you owe is part of Syncrofin Pro. Recording your income and expenses is free.

There’s much more to explore…

Get every debt out of your head

Who, how much and by when — tracked, so nothing slips.

Get it on Google Play