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Simple Place to Track What People Owe Me

Feature Request

Hi Waypoint Team,

It would be helpful to have a simple place to track money that other people owe me.

For example, if I pay $100 for someone and they repay $50, Waypoint should show that there is still $50 outstanding. That amount should carry over into future months until the person finishes paying it back.

It would be useful to track:

  • The person’s name

  • What the money was for

  • The original amount owed

  • Partial repayments

  • The remaining balance

  • An optional due date or reminder

  • Notes

  • Status, such as outstanding, partially paid, or paid in full

  • The total amount currently owed to me

It would also be nice to link the amount owed to the original transaction. If I pay a $150 restaurant bill and someone owes me $60, I could mark just that $60 as money owed to me while keeping my $90 portion under Dining Out. When the person repays me, I could select the original item and record either a partial or full repayment. Waypoint would then update the remaining balance automatically without counting the repayment as regular income. Ideally, this would be separate from monthly spending allocations because unpaid amounts may carry over for several months.

I hope you guys can consider it, I think this would improve the accuracy of Waypoint’s budgets and reports. Money paid for someone else should not permanently appear as personal spending, and repayments should not appear as normal income. A dedicated tracker would handle this clearly while helping users manage shared expenses and partial repayments without relying on notes or another app.

Thanks,

Posted by Michael Kalam ·
Status: Rejected2 comments

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Comments2

  • team@waypointbudget

    Team•

    Sep 1

    Thanks for the detailed writeup, Michael. A dedicated tracker for money other people owe you is outside what we want Waypoint to be. It pulls us toward shared-expense management, and apps like Splitwise cover that well.

    The budgeting accuracy problem you describe is real though, and there is a way to handle it in Waypoint Budget today. When you pay a $150 restaurant expense and $60 of it is someone else's, split the transaction and put your $90 under Dining Out and the $60 under a category like "Reimbursements" with rollover turned on. The unpaid amount carries forward month to month, and when the repayment arrives you can categorize it against the same category so it nets to zero instead of counting as income. We may look at making this pattern easier to discover down the road.

    • Michael Kalam

      •

      Sep 2

      Fair enough, I’ll try this method. Thanks!