Lent Money to a Friend? Never Forget the Udhar.
₹500 for movie tickets, ₹1,500 for a cab: small amounts are the easiest to forget. SkyloFin keeps every udhar you gave or got next to your own money, reminds you when a friend still owes you, and marks it paid back when their UPI payment reaches your bank.
- FreeNo ads, no limits
- 0Apps your friends need
- UPIPaid back directly
What You Get
Everything below is in the app today.
I gave or I got
Note money you lent or borrowed in seconds: the friend, the amount and what it was for. Pick the friend from your contacts or type a name.
A reminder for you
If a friend still owes you after 3, 7 or 14 days, SkyloFin reminds you. It never messages your friend unless you send it.
Ask nicely, in one tap
Remind sends your friend a short message with the amount and your UPI ID or UPI number, on WhatsApp, SMS or email.
Paid back? Marked for you
When the money comes back by UPI and your bank's SMS arrives, SkyloFin matches it and marks the udhar paid back.
Not counted as spending
Money you lend is a transfer (Lent Money), and money coming back is Lent Returned, so your spending and income stay true.
Stays on your phone
Names and amounts stay on your phone and in your own encrypted Google Drive backup. Friends get only what you send.
See It in the App
Real screens with sample data.
How It Works
Note the udhar
I Gave or I Got, the friend, the amount and a note. Cash or UPI, it is linked to your money.
Get reminded
SkyloFin tells you when a friend still owes you, and you can send them a reminder.
It settles itself
Their UPI payment marks it paid back, or you mark it with one tap.
Step by step, with screenshots
Common Questions
What is udhar in SkyloFin?
Money you gave a friend or took from one, outside a shared bill. You note it once, and SkyloFin keeps it until it is paid back.
Does my friend need the app?
No. You keep the record, and a reminder goes to them as a normal WhatsApp, SMS or email message with your UPI details.
Is lent money counted as my spending?
No. It is saved as a transfer (Lent Money), and when it comes back it is Lent Returned, so your monthly spending and income are not changed by it.
Does SkyloFin send my friend reminders by itself?
No. The automatic reminder (after 3, 7 or 14 days, or off) is only for you. A message goes to your friend only when you tap Remind and send it.
What about bills I share with friends?
Those are splits and groups. See Split: a dinner, a trip or rent with flatmates, settled in the fewest payments.
More in SkyloFin - Expense Tracker
Want It on Your Phone?
SkyloFin is free, with no ads and nothing to buy, and needs Android 7.0 or later.