Out now · iOS & Android

Lend without losing track.

A clean, private ledger for everything you lend and borrow — per person, in any of 150+ currencies with live exchange rates. Works fully offline; sign in only if you want cloud backup & sync.

Get it onGoogle Play Download on theApp Store
See Features
150+Currencies
LiveFX rates
100%Offline-first
FreeTo start
$
USD 240 received
£
GBP 55 you owe
€
EUR 180 owed
Borro
Net you'll get
+$0.00
You'll get+$610
You owe−$225
People
A
Alex
Dinner
+$240
S
Sara
Flights
+€180
R
Raj
Concert
−₹12,500
M
Mike
Groceries
+A$95

150+ supported currencies — every transaction in its own, with live FX rates

🇺🇸US DollarUSD
🇪🇺EuroEUR
🇬🇧PoundGBP
🇮🇳RupeeINR
🇯🇵YenJPY
🇦🇺Australian DollarAUD
🇨🇦Canadian DollarCAD
🇨🇭Swiss FrancCHF
🇨🇳YuanCNY
🇭🇰HK DollarHKD
🇰🇷WonKRW
🇸🇬Singapore DollarSGD
🇳🇿NZ DollarNZD
🇿🇦RandZAR
🇸🇦RiyalSAR
🇦🇪DirhamAED
🇹🇷LiraTRY
🇲🇽PesoMXN
🇸🇪KronaSEK
🇵🇭Philippine PesoPHP
🇺🇸US DollarUSD
🇪🇺EuroEUR
🇬🇧PoundGBP
🇮🇳RupeeINR
🇯🇵YenJPY
🇦🇺Australian DollarAUD
🇨🇦Canadian DollarCAD
🇨🇭Swiss FrancCHF
🇨🇳YuanCNY
🇭🇰HK DollarHKD
🇰🇷WonKRW
🇸🇬Singapore DollarSGD
🇳🇿NZ DollarNZD
🇿🇦RandZAR
🇸🇦RiyalSAR
🇦🇪DirhamAED
🇹🇷LiraTRY
🇲🇽PesoMXN
🇸🇪KronaSEK
🇵🇭Philippine PesoPHP

Everything you need

Simple on the surface.
Powerful underneath.

Built for the real world — trips with friends, loans to family, business expenses. Every scenario covered.

Per-Person Ledger
Every person gets their own history page — every transaction, running balance, due dates, and notes in one scrollable timeline.
Full history
150+
Currencies, live FX
Every transaction carries its own currency — converted beside each amount with live rates.
Reminders & Recurring
Set a due date and Borro nudges you before it's overdue. Weekly, monthly, or custom recurring — nothing slips.
Notifications
Groups & Splits
Split any expense across members instantly and track who's settled. Monthly budgets and group insights at a glance.
Shared budgets
Approvals & Settle Up
Send a transaction for the other person to confirm, or share a QR to settle in seconds. Both sides keep a matching record.
Two-way confirm
Offline-First & Private
Your ledger lives in a local database on your device and works with no account. Sign in for optional encrypted cloud backup; multi-device sync and CSV / PDF export are part of Pro.
No account needed Optional cloud backup No ads, ever

Simple by design

Up and running in seconds.

No setup required. Open the app and start tracking immediately — create an account only when you want backup and sync.

STEP 01
Add a Person

Create a contact for anyone you lend to or borrow from. Just a name — photo optional.

STEP 02
Log a Transaction

Tap to record the amount, direction, currency, due date, and a note. Takes five seconds.

STEP 03
Stay Informed

Borro shows each person's live balance and reminds you before due dates arrive.

STEP 04
Mark as Settled

When settled, mark it done. The full history stays as your permanent record.

Private by design.

Your ledger lives on your device and works with no account at all. Nothing is uploaded unless you choose to sign in — and even then it's only your own encrypted backup. No ads, ever.

Read Full Privacy Policy
Offline-first by default
No ads, no selling data
Account optional
Your own encrypted backup
Borro app icon

Out now on iOS & Android.

Borro is live on both stores — free to download, and you don't need an account to start.

App Store Play Store

Free to download · iPhone, Apple Watch & Android

From time to time the Borro team at AroraLabs may email you — a quick quality check on how the app is working for you, news when a feature lands or changes, or a hand with something that looks like it went wrong. It's occasional, it comes from real people, and we never sell your address or pass it on. If you'd rather not hear from us, just reply to any email and say so — we'll stop, and it won't affect your account or anything you've paid for.