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.
Just a few taps. No passwords. We never post on your behalf.
No balance moves until both people agree. The Confirmation Wall keeps every ledger honest.
Log a debt in seconds. Smart defaults and recent contacts do the typing for you.
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.
Trips and shared bills settle automatically with exact, centavo-accurate math.
Turn any confirmed loan into a formal PDF — with a scannable QR and a hash anyone can check at kasama.loan/verify.
Add interest and a repayment schedule for more formal loans — your first is free, unlimited with Pro. Plain IOUs always stay simple.
A debt isn't real until both sides say so. No one can put a number on you without your okay.
It counts as nothing until Ben agrees.
Only the real Ben can accept — or dispute it.
The balance updates for both of you.
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.
The whole ledger is free. Pro just adds the power-lender extras — no hidden gates.
✦ Free 7-day trial — cancel anytime before it ends and pay nothing.
Upgrade anytime from inside the app. Cancel whenever.