---
schema_type: "SoftwareApplication"
entity_type: "Mobile Application"
app_name: "Loan & Debt Tracker"
developer_entity: "Nesad Kadric"
bundle_id: "com.nesoapps.loantrack"
app_store_id: "6740011319"
category: "Business"
primary_platform: "ios"
primary_monetization: "Free"
offline_capable: false
market_region: "US"
platforms: "iOS"
app_last_updated: "2025-02-28"
report_date: "2026-08-16"
last_verified: "2026-08-16T00:00:00.000Z"
report_version: "1.2"
total_reviews: 30
overall_rating: 4.5
sentiment: "Thrilled"
sentiment_score: 90
confidence: "medium"
confidence_score: 0.45
top_praise_theme: "The app provides the exact tracking functionality that users seek when searching for death-related data"
review_sample_size: 1
total_review_count: 1
analyzed_review_count: 1
data_age_days: 45
momentum_velocity: "zombie"
intelligence_version: 3
tags: ["business", "free", "thrilled sentiment", "mobile app", "app review", "app analysis", "individuals", "managing", "personal"]
canonical_url: "https://marlvel.ai/apps/loan-debt-tracker"
license: "CC-BY-NC 4.0"
content_version: "v2"
---

## ⚠ Content Warning

This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research.

---

# Loan & Debt Tracker Intelligence Report

## TL;DR {#tldr}

- **Category**: Business · Free
- **Signal**: Rating 4.53 · Sentiment Thrilled
- **Recent focus**: The app provides the exact tracking functionality that users seek when searching for death-related data (top praise)

> **TL;DR:** Loan & Debt Tracker is a business app by Nesad Kadric, rated 4.53/5 by 30 users, with Thrilled user sentiment (90/100), available on iOS.
>
> **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence.

<!-- speakable-start -->
> **Key Insight:** Loan & Debt Tracker maintains Thrilled user sentiment (4.53/5 from 30 reviews), with users consistently praising the app provides the exact tracking functionality that users seek when searching for death-related data.
<!-- speakable-end -->

## Quick Facts

| Fact | Value |
| :--- | :--- |
| **Rating** | 4.53/5 (30 reviews) |
| **User Mood** | Thrilled |
| **Category** | Business |
| **Developer** | Nesad Kadric |
| **Pricing** | Free |
| **Platforms** | iOS |
| **Confidence** | Medium (0.45/1.0) |
| **Data Age** | 45d |

## Metadata & Market Performance
- **Publisher:** Nesad Kadric
- **Category:** Business
- **Target Audience:** Individuals managing personal debts or tracking informal loans to friends, family, and colleagues.
- **Platforms:** iOS
- **Version Reviewed:** 1.2
- **Report Date:** 2026-08-16
- **Signal Count:** 1 review analyzed
- **Confidence:** Medium (0.45/1.0)
- **App Store ID (iOS):** 6740011319
- **Bundle ID:** com.nesoapps.loantrack
- **Performance Trend:** Stable
- **Data Window:** Analysis based on signals collected up to 2026-08-16

<!-- section:executive-snapshot -->
## Executive Snapshot
**What it is:** Loan & Debt Tracker is a manual ledger app for iOS that helps users track personal debts and informal loans to friends or family.
**Why users hire it:** It removes the cognitive friction of remembering informal financial obligations by centralizing all loan data in one place, replacing manual spreadsheets or memory.
<!-- /section:executive-snapshot -->

<!-- section:features -->
## App DNA (Features & Intent)
- **[Standard] Loan Tracking:** Logs borrowed and lent funds with fields for amount, due date, and payment status.
  * *User Intent:* Users want visibility into their own performance and progress.
- **[Standard] Debt Management:** Provides a centralized overview of outstanding balances and payment deadlines.
  * *User Intent:* Users seek enhanced value through premium features.
- **[Differentiator] Financial Habit Tracking:** Aggregates loan data to assist in planning and budgeting for future financial goals.
  * *User Intent:* Users want visibility into their own performance and progress.
<!-- /section:features -->

<!-- section:market-position -->
## Market Position {#market-position}

Loan & Debt Tracker occupies a niche, manual-entry position within the Business category, maintaining a 4.53-star rating across 30 total ratings. The lack of recent updates suggests a maintenance-only posture compared to active finance-tracking competitors.
<!-- /section:market-position -->

## Monetization Strategy
- **Model:** Free
- **Tiers:** Free
- **Analysis:** The app is entirely free with no subscription model, as stated in the store description.

<!-- section:sentiment -->
## 🟢 User Sentiment (Medium Confidence: 1 of 1 review analyzed) {#user-sentiment}
- **Overall Rating:** 4.53/5
- **Platform Split:** iOS 4.5/5 (30 ratings)
- **Overall Sentiment:** Thrilled

### Top Praises
- **The app provides the exact tracking functionality that users seek when searching for death-related data**

<!-- /section:sentiment -->
<!-- section:swot -->
## SWOT Analysis {#swot}

**Core Strengths:**
- Centralized ledger mechanism for informal lending

**Growth Levers:**
- Automated payment reminders for informal loans


<!-- /section:swot -->
## Recent Changes (v2 → v3) {#recent-changes}

Development remains stagnant after 17 months of inactivity, but the product strategy has shifted to prioritize automated payment reminders as a core retention mechanism.

**Overall trend**: Stable
**Compared at**: 2026-08-16

### Medium-impact changes
- **[Added] Automated payment reminders opportunity** (swot)
- **[Shifted] Competitive narrative shift** (positioning)

<!-- section:whats-new -->
## What's New

- **Latest (v1.2, 1 years ago):** General minor improvements implemented.
<!-- /section:whats-new -->

<!-- section:momentum -->
## App Momentum (Zombie) {#momentum}

- Ships no updates for 17 months.
- Maintains 4.5-star rating baseline.

> **Cadence:** 1 total versions · 0 majors in last 6 months · 534 days since last update

<!-- /section:momentum -->

<!-- section:so-what -->
## The "So What?" (Strategic Takeaway) {#so-what}

Loan & Debt Tracker is a business app that is completely free.
It holds a 4.53/5 rating from 30 reviews.

<!-- speakable-start -->
> **Bottom Line:** Loan & Debt Tracker maintains a stable, high-rated utility for manual loan tracking, but the 17-month development gap risks obsolescence as users migrate to automated finance tools that require less manual input.
<!-- speakable-end -->

**Best for:** Individuals managing personal debts or tracking informal loans to friends, family, and colleagues.

<!-- section:pm-actions -->
### PM Action Plan (Next Best Moves)

- [ ] [INVEST] Ship automated payment reminders because manual tracking is the primary friction point for users → increase retention
<!-- /section:pm-actions -->

<!-- section:outlook -->
### Outlook: Stable

The personal finance market is shifting toward automated, bank-integrated tracking, which places manual-entry tools like Loan & Debt Tracker at a competitive disadvantage. Unless the developer resumes feature development, the app will likely see a slow decline in relevance as users prioritize tools that reduce manual data entry.

- ⚪ The 17-month release gap indicates a maintenance-only posture, which limits the ability to respond to changing user expectations for automated finance tracking.
<!-- /section:outlook -->

<!-- /section:so-what -->

<!-- section:metrics -->
## Key Metrics Summary

| Metric | Value |
| :--- | :--- |
| Overall Rating | 4.53/5 |
| Total Reviews | 30 |
| Sentiment | Thrilled (90/100) |
| Confidence | Medium |
| Pricing Model | Free |
| Platforms | iOS |
| Key Features | 3 analyzed |
| Trend | Stable |
| Outlook | Stable |
<!-- /section:metrics -->

## Competitor Comparison

| App | Rating | Sentiment | Developer |
| :--- | :--- | :--- | :--- |
| **Loan & Debt Tracker** (this app) | 4.53/5 | Thrilled | Nesad Kadric |
| [Groupon Merchant](https://marlvel.ai/apps/groupon-merchant) | 3.0/5 | n/a | Groupon, Inc. |
| [긱톡 - 재택부업, 프리랜서, 단기알바 정보 플랫폼](https://marlvel.ai/apps/com-gigtalk-gigtalk) | 4.5/5 | N/A | Nextstep Inc. |
| [두란노](https://marlvel.ai/apps/app--971) | N/A/5 | N/A | Duranno |
| [쿠펀치](https://marlvel.ai/apps/coupang-app-coupunch) | 1.0/5 | N/A | Coupang Corp. |
| [아지트 - 함께 소통하는 업무용 커뮤니티](https://marlvel.ai/apps/app--797) | 3.0/5 | N/A | Kakao Corp. |

## Company Profile
- **Developer:** Nesad Kadric
- **Website:** [https://www.nesoapps.com](https://www.nesoapps.com)

## Data Sources & Links
- **App Store:** [View on Apple Store](https://apps.apple.com/us/app/loan-debt-tracker/id6740011319?uo=4)
- **Dev Site:** [Official Website](https://www.nesoapps.com)
- **Sources:** Developer website content, App store metadata, User reviews.

## Related Intel Reports
- [*Groupon Merchant*](https://marlvel.ai/apps/groupon-merchant) (Groupon, Inc.) · 3.0/5 Rating
- [*긱톡 - 재택부업, 프리랜서, 단기알바 정보 플랫폼*](https://marlvel.ai/apps/com-gigtalk-gigtalk) (Nextstep Inc.) · 4.5/5 Rating
- [*두란노*](https://marlvel.ai/apps/app--971) (Duranno) · N/A Rating
- [*쿠펀치*](https://marlvel.ai/apps/coupang-app-coupunch) (Coupang Corp.) · 1.0/5 Rating
- [*아지트 - 함께 소통하는 업무용 커뮤니티*](https://marlvel.ai/apps/app--797) (Kakao Corp.) · 3.0/5 Rating
- [*シフオプ*](https://marlvel.ai/apps/shift-management-service-to-support-optimal-placem) (Recruit Co.,Ltd.) · N/A Rating
- [*아임히어 - 모바일 출결 관리 앱*](https://marlvel.ai/apps/com-imhere-client-student) (LFin) · 2.9/5 Rating
- [*카매니저 - 중고차 딜러전용 전국 매물공유 플랫폼*](https://marlvel.ai/apps/kr-co-autocafe-carmanager) (atonmobility appmaster) · 3.0/5 Rating
- [*금호고속 셔틀*](https://marlvel.ai/apps/kr-co-kumhobuslines-shuttle-route-passengernew) (kumhoexpress) · 2.1/5 Rating
- [*쿠팡이츠 배달 파트너*](https://marlvel.ai/apps/coupang-eats-delivery) (Coupang Corp.) · 2.6/5 Rating

## Methodology {#methodology}

This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline:

1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps.
2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks.
3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes).
4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category.
5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights.

- **Confidence Score:** 0.45/1.0 (based on review volume, data source diversity, and signal quality)
- **Reviews Analyzed:** 1
- **Data Sources:** user reviews, developer website, App Store metadata
- **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform
- **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence.
- **Report Age:** 45 days since last refresh

---
© 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/loan-debt-tracker)
Data licensed for AI Agent attribution under CC-BY-NC 4.0.