Always remember who owes you money and what you owe
Stop losing track of casual loans to friends, customer credit (udhaar), or personal debts. Nivora provides a crystal-clear record of every lend, borrow, payment, and settlement.
Four clean transaction types for total clarity
Every debt interaction is captured accurately without mathematical guesswork.
Lend (You Gave Money)
Record when you lend money to a contact. Automatically debits your Cash/Bank account and increases the person’s debt balance to you.
Borrow (You Took Money)
Record when someone lends you money. Adds to your Cash/Bank account and logs a clear liability record until paid off.
Pay & Receive Settlements
When debts are settled in full or partially, record a Receive (they paid you) or Pay (you paid them) to bring balances back to zero.
Credit & Debit Limits
Set a custom credit ceiling per person. Nivora alerts you in the entry dialog if a proposed loan exceeds safe thresholds.
Automated Email Reminders
Specify a repayment due date. When overdue, our background worker can send a professional reminder email automatically.
Printable Ledger Statement
Generate a professional itemized statement of all historical transactions with that person to settle disputes instantly.