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Liabilities

Paisa separates the main parts of debt tracking so you can see what you owe, what it costs, and how quickly it is being repaid.

Liability interest overview with loan drawdown, repayment, balance, and APR

  • Balance shows outstanding liability balances from your journal.
  • Interest shows interest paid, loan drawdowns, repayments, balance, and APR where that information is available.
  • Repayments shows the monthly repayment timeline and debt reduction.
  • Credit cards adds statement dates, due dates, limits, and utilization to a liability account.

Paisa reads these values from your journal. It does not connect to lenders or initiate payments.

Example loan payment

Separate principal from interest in the journal so Paisa can report each part:

2026/09/05 Home loan payment
    Liabilities:HomeLoan       18000 INR
    Expenses:Interest           7000 INR
    Assets:Checking           -25000 INR

This payment reduces the loan principal by ₹18,000, records ₹7,000 as interest expense, and moves ₹25,000 out of checking.

See Balances, Credit cards, Interest, and Repayments for the individual views.