Track casual loans and more, settled without the awkwardness.

kasama.loan is a free loan and IOU tracker for the Philippines and beyond, built on a rigid two-way verification loop. Record who owes whom, split group bills, and log it in seconds — and never argue over who owes what.

Continue with Google

Just a few taps. No passwords. We never post on your behalf.

Features

Everything you need to settle up

Two-way verification

No balance moves until both people agree. The Confirmation Wall keeps every ledger honest.

Frictionless entry

Log a debt in seconds. Smart defaults and recent contacts do the typing for you.

Guest onboarding

Lend to anyone with a link or QR. To confirm, they sign in with Google — seconds whether they're new or already on kasama.loan.

Group splits

Trips and shared bills settle automatically with exact, centavo-accurate math.

Verifiable documents

Turn any confirmed loan into a formal PDF — with a scannable QR and a hash anyone can check at kasama.loan/verify.

Interest & installments

Add interest and a repayment schedule for more formal loans — your first is free, unlimited with Pro. Plain IOUs always stay simple.

How it works

The Confirmation Wall

A debt isn't real until both sides say so. No one can put a number on you without your okay.

1You log it

₱500.00

You lent Ben

Pending confirmation

It counts as nothing until Ben agrees.

2Ben confirms

Lyndon says you owe ₱500.

ConfirmReject

Only the real Ben can accept — or dispute it.

3Now it's real

₱500.00

You lent Ben

Active · confirmed

The balance updates for both of you.

Proof on paper

A document anyone can verify

Turn any confirmed loan into a formal, Spectral-set PDF — both parties, terms, the full confirmation timeline, a SHA-256 verification hash, and a scannable QR. Anyone can re-check it against the live ledger at kasama.loan/verify, so an edited screenshot is caught instantly.

Pricing

Free to track. Pro when you mean business.

The whole ledger is free forever. Pro just adds the power-lender extras — no hidden gates.

Free

₱0 forever

Unlimited loans, confirmations & group splits
Guest links & QR onboarding
Your first interest/installment loan
Formal PDF documents at ₱50 each
Supported by unobtrusive ads

ProBest for lenders

₱150 / month

Everything in Free
No ads, anywhere
Unlimited formal PDF documents
Unlimited interest & installment loans

Upgrade anytime from inside the app. Cancel whenever.