Family and Friends Money Loans Record

Who this is for

One loan, written down so both of you see the same figures. The top records who lent to whom, when, how much and what you agreed about paying it back, in your own words; each repayment then gets a line, and the sheet keeps the amount repaid and the balance still owed.

Anyone who has lent money to, or borrowed money from, a relative, partner, friend or flatmate and wants a plain record both sides can agree on, whatever the size of the loan.

What this helps you track

• Who lent the money, who borrowed it and on what date
• The amount lent and the total you agreed would be repaid
• What was agreed about repayment, in the words you both used
• Every repayment, how it was made and who confirmed it
• The running total repaid and the balance still owed

How to use it

1. Use one copy per loan. Write who lent and who borrowed, the date and the amount, and the total to repay if you agreed something different, such as an amount on top.
2. In the box, write what the loan was for and what you agreed about repaying it, as you would both describe it, and both read it through.
3. Add a line for every repayment with the date, amount and how it was paid, and have the person receiving it write their name or initials in the confirmed column.
4. Repaid so far and still owed are worked out in the browser and the workbook; on paper, keep a running total and take it from the total to repay.
5. Give the other person a copy or a photo whenever a repayment is added, so both records match.

Formats

• Printable PDF (A4 and US Letter)
• Fillable PDF with form fields
• Fill in online, saved in your browser
• Excel / Google Sheets workbook

The printable is laid out inside a box that fits both A4 and US Letter, so the two files are identical and neither one is scaled. The fillable PDF has real form fields. The workbook uses plain formulas only — SUM, IF, COUNTIF and the like — so it opens in Excel, LibreOffice and Google Sheets without anything breaking, and every calculated cell is grey so you can see which figures it worked out.

How to print

Download the A4 or US Letter file to match the paper in your printer, open it in a PDF reader and print at 100% — not "fit to page", which shrinks the writing space. Both files leave a 14 mm margin, which clears the unprintable edge on home printers. To print the online version with your entries in it, use the Print this sheet button, which prints only the sheet and none of the page around it. More on printing.

Questions

Is this a legal loan agreement?

No. It is a record of what was lent, what was agreed and what has been repaid. If the sum is large or you want something enforceable, check the rules where you are and consider taking advice before the money changes hands.

What if we agreed on interest or an amount on top?

Write the total you agreed would be repaid in the total to repay field, and the balance is worked out from that rather than from the amount lent. The sheet does not suggest a rate; any extra is whatever the two of you agreed.

Can I use it if I am the one borrowing?

Yes. There is a field for the lender and one for the borrower, so it works in either direction. Keeping your own copy as the borrower is a straightforward way to show what you have paid back.

How is this different from the borrowed and lent items log?

That log is for things such as tools, books and kit that go out and come back. This record is for money, with an agreed total, each repayment and the balance worked out for you.