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 See demo

Just a few taps. No passwords. We never post on your behalf. Or explore the demo first — no sign-in needed.

How it works

Get started in three steps

Three things kasama does for you — record a loan, split a bill, and run a whole trip or event.

1Record a loan

You lent Ben

“Lunch” · due in 3 days

₱500

Unpaid

Your payment QR

Friends scan it to pay you back in a tap.

Log who borrowed, how much, and whether it's paid or still owed. Add your GCash / InstaPay QR so friends can pay you back easily.

2Split a bill

🧾 Dinner₱1,200

Pizza₱600

Pasta ×2₱400

Drinks₱200

Split 3 ways — everyone confirms their share

Out with the group? Add the bill — or snap the receipt to itemize it — and kasama works out who owes what, down to the centavo.

3Events & groups

Tagaytay Trip 🏔️

4 members · 3 expenses

🏠 Airbnb₱4,800

⛽ Gas · 🛒 Groceries₱2,100

Settle up — fewest transfers

Dinners, trips, road trips? Create an event, add everyone, track every expense, and settle it all up at the end.

Two-way confirm

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.

Still waiting? Send a reminder — a link, QR, or a ready‑made message — in one tap.

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.

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 — cash or item, paid or unpaid. Save your GCash / InstaPay QR so friends can pay you back in a tap.

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 & events

Trips, dinners, group gifts — make an event, snap the receipt to itemize it, and kasama settles who owes whom with 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.

Free to use

Free to track. Pro when you mean business.

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

Free

₱0 free

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

✦ Free 7-day trial — cancel anytime before it ends and pay nothing.

Everything in Free
Unlimited formal PDF documents
Unlimited interest & installment loans
15 receipt scans a day (Free: 3)
Smarter AI receipt scanning (experimental)

Upgrade anytime from inside the app. Cancel whenever.