Check before lending
Review affordability, existing debt, income stability, and repayment readiness before money changes hands.
Free financial documents and payment tools
Clear agreements. Safer payments.
Check lending risk, create a clear agreement, export a professional PDF, and track repayments from the first payment to the last.
Free document creation
Seven languages
Professional PDF export
Privacy-focused
No legal jargon required
What you can do
Three ways FinSafe keeps money between people safer
Create a clear agreement
Answer guided questions and create a structured agreement in your language — no legal writing needed.
Track every payment
Create due dates, record payments, attach evidence, and always see the outstanding balance.
Templates
Popular free agreements
Guided templates for everyday lending, repayment, and receipts. Choose your language and jurisdiction as you build.
Jurisdiction-adapted
Personal Loan Agreement
A clear written record of a loan between two people, covering the amount, interest, repayment schedule, and what happens if payments stop.
Jurisdiction-adapted
Family Loan Agreement
A written loan record designed for relatives — clear terms that protect the money without straining the relationship.
Jurisdiction-adapted
Loan Agreement Between Friends
A short, friendly-but-clear written agreement for money lent between friends, with a real repayment date both of you sign.
Jurisdiction-adapted
Debt Acknowledgment
A signed statement in which someone admits they owe a specific debt and sets out how they will repay it — used when the money has already been handed over.
Jurisdiction-adapted
Installment Payment Agreement
An agreement to pay off an amount in scheduled installments, setting each due date, the amount per payment, and what happens if one is missed.
Jurisdiction-adapted
Payment Extension Agreement
A short agreement that moves a payment deadline to a new date, recording the new terms so a delay is agreed rather than a default.
Jurisdiction-adapted
Final Payment Demand
The last letter before escalation: states the full amount owed, sets one final deadline, and says plainly what happens next.
Jurisdiction-adapted
Payment Receipt
Written proof that a payment was received — who paid, how much, when, for what, and by which method — signed by the person who received the money.
Jurisdiction-adapted
Guarantor Agreement
Records a third person's promise to repay a loan if the borrower defaults, with clear limits on what the guarantor covers.
General template
Freelance Service Agreement
A working contract between a freelancer and a client covering deliverables, deposit, payment milestones, revisions, and who owns the finished work.
General template
Simple Sale Agreement
A short, plain-language agreement that records what is being sold, the agreed price, how payment is made, and when the item changes hands.
General template
Rental Deposit Receipt
Written proof that a security deposit was paid, how much, when, and the conditions for getting it back.
PDF tools
Free PDF tools for contracts
Prepare, sign, and manage agreement PDFs. Files are processed in your browser and never uploaded.
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Contract PDF Generator
Most private loans start with trust and end with confusion, because nobody wrote the terms down.
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Merge PDF
A loan file is rarely just one document.
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Split PDF
Sometimes you only need one part of an agreement: the signature page to show a payment was authorized, the schedule annex to check a due date, or a single section to share without exposing the rest.
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Compress PDF
Email attachments bounce, chat apps refuse large files, and a scanned agreement can easily weigh 20 MB.
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Sign PDF
Printing a contract, signing it, scanning it, and emailing it back is a lot of ceremony for a loan between friends.
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Add Date to PDF
An undated signature is one of the most common gaps in informal agreements — and the date is exactly what you need when deadlines, interest, or repayment schedules are counted from signing.
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Add Page Numbers
When a contract says Page 3 of 7, everyone can immediately tell whether a copy is complete — and whether a page has quietly gone missing.
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Add Watermark
Sharing an unsigned draft that looks exactly like a final contract is asking for confusion — someone will treat it as the real thing.
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Redact PDF
Drawing a black rectangle over an ID number is not the same as removing it — in many PDFs the text is still there underneath, one copy-paste away from exposure.
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Compare Contracts
When someone sends back a revised agreement, the dangerous changes are the small ones: a due date moved by a month, an amount nudged up, a clause quietly dropped.
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Extract Contract Details
The details that decide a loan are scattered across the page: who is lending, how much, from when, due when, at what rate.
Coming soon
Translate Contract
Automatic contract translation is coming to FinSafe web, and this page will carry it when it lands.
Coming soon
Summarize Contract
An automatic contract summarizer is on its way to FinSafe web, and this page will host it the moment it is ready.
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Images to PDF
A signed agreement photographed page by page is a stack of loose images — easy to lose, awkward to send, and unconvincing as a single record.
Calculators
Free loan and repayment calculators
Understand payments, interest, and balances before you sign — and turn results into a repayment schedule.
Loan Repayment Calculator
Enter a loan amount, an annual interest rate, and a repayment term, and this calculator gives you the fixed monthly payment plus the total interest you will pay over the life of the loan.
Simple Interest Calculator
Simple interest is charged on the original amount only — it never compounds.
Installment Calculator
When someone owes a lump sum they cannot pay at once, the practical fix is to split it into equal installments.
Debt-to-Income Calculator
Your debt-to-income ratio (DTI) is the share of your monthly income that already goes to debt payments.
Late Payment Calculator
A payment is overdue and the agreement mentions late interest — but how much is actually owed? The standard approach charges a daily rate on the overdue amount for every day past the due date, and this calculator does exactly that from three inputs: the amount, the annual late-interest rate, and the days late..
Outstanding Balance Calculator
Halfway through a loan, “how much do I still owe?” has a precise answer — and it is not simply the original amount minus what you have paid, because part of every payment went to interest.
Amortization Calculator
A monthly payment figure tells you what to pay; an amortization schedule tells you where that money goes.
Payment Schedule Generator
Amounts alone do not make a repayment plan — dates do.
From first check to final payment
How FinSafe works
- 1Choose a document
- 2Select your country and language
- 3Answer guided questions
- 4Review important clauses
- 5Export PDF or DOCX
- 6Sign or upload the signed copy
- 7Create the repayment schedule
- 8Track payments and evidence
Multilingual by design
Your language and your jurisdiction are not the same thing.
A document written in Thai is not automatically governed by Thai law. FinSafe lets you choose the document language separately from the governing law and jurisdiction, so an agreement can be in your language and still fit where the transaction actually happens.
Legal transparency
Honest about what a template can do
- Templates provide general document assistance — they help you write things down clearly.
- Legal requirements vary by country, transaction type, and circumstances.
- Some transactions may require legal review, registration, notarization, witnesses, or additional documents.
- FinSafe does not guarantee enforceability and is not a substitute for legal advice.
Create a clear agreement before money changes hands.
It takes a few minutes to write down the amount, the dates, and what happens if something goes wrong. It can save a friendship, a family relationship, or a business.