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🤝 Debts

Track money you owe and money owed to you, partial payments, close debts.

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Two Types of Debts
  • i_owe - Money you owe to someone
  • owe_me - Money someone owes to you

On this page

create_debt

Safe

Create a new debt record. Specify if you borrowed money (i_owe) or lent money (owe_me). Optionally set a due date for reminders.

Parameters

Parameter Type Description
type* string "i_owe" (I borrowed) or "owe_me" (I lent)
contact_name* string Name of person
amount* number Debt amount
currency? string Currency code. Default: RUB
description? string What for
due_date? string When to return. Supports: dates, "by Feb 15", "in 3 days"
reminder_days? number Days before due_date to send reminder. Default: 3
notes? string Additional notes about the debt

Examples

User "Borrowed 5,000 from Pete"
AI Created debt: you owe Pete $5,000
User "Lent Mike 3,000 until Friday"
AI Created debt: Mike owes you $3,000 (due 01/24/2026)
User "Nick owes me $100 for lunch"
AI Created debt: Nick owes you $100 (for lunch)

list_debts

Safe

Show all active debts, grouped by type (what you owe and what's owed to you).

Parameters

Parameter Type Description
type? string Filter: "i_owe" or "owe_me"
include_closed? boolean Include closed debts. Default: false

Examples

User "Show all debts"
AI Debts:

You owe (2):
• Pete: $5,000
• Bank: $50,000

Owed to you (1):
• Mike: $3,000 (due 01/24)
User "Who owes me?"
User "Who do I owe?"

pay_debt

Safe

Record a payment toward a debt you owe. Supports partial payments. Optionally creates an expense transaction.

Parameters

Parameter Type Description
contact_name* string Who you're paying
amount* number Payment amount
wallet? string Wallet to pay from (creates expense)

Examples

User "Paid Pete 2,000"
AI Payment recorded. Debt to Pete: $5,000 → $3,000
User "Paid Pete 3,000 from card"
AI Payment recorded. Debt to Pete closed! Expense $3,000 from "Card"

receive_debt

Safe

Record receiving payment for a debt owed to you. Optionally creates an income transaction.

Parameters

Parameter Type Description
contact_name* string Who is paying
amount* number Received amount
wallet? string Wallet to receive to (creates income)

Examples

User "Mike returned 1,500"
AI Payment received. Mike's debt: $3,000 → $1,500
User "Nick paid $100 in cash"
AI Payment received. Nick's debt closed! Income $100 to "Cash"

close_debt

Requires Confirmation

Close a debt and automatically create a linked transaction. Creates income (if someone returned money to you) or expense (if you returned money).

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Linked Transaction
When closing a debt, a transaction is automatically created:
  • owe_me (someone owed you) → Creates income transaction
  • i_owe (you owed someone) → Creates expense transaction

Parameters

Parameter Type Description
contact_name* string Person's name (or comma-separated list)
wallet? string Wallet for the linked transaction. Default: user's default wallet

Examples

User "Close Mike's debt"
AI Close Mike's debt ($1,500) without recording payment? [Yes/No]
User "Forgive Mary's debt"

edit_debt

Safe

Edit debt details: amount, due date, or description.

Parameters

Parameter Type Description
contact_name* string Person's name
amount? number New amount
due_date? string New due date
description? string New description

Examples

User "Extend Pete's debt deadline to end of month"
AI Debt to Pete updated: due 01/31/2026

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