About kasama.loan

Yes. Recording loans, splitting bills, and confirming who owes whom are all free. An optional Pro upgrade adds unlimited formal documents, unlimited interest and installment loans, and more receipt scans per day — but the core ledger costs nothing.

Every entry needs both people to agree before it counts. When you record that someone owes you, they receive a request to confirm or dispute it — and no balance moves until both sides agree. That is what keeps the ledger honest.

To hold a confirmed balance, yes. But you can start by sending an invite link — the entry becomes active once they join and confirm their side.

Yes. Split a bill evenly or by custom shares across a group, and each person confirms their own share. Shared expenses and events keep their own running totals.

Yes. When you and someone have several loans back and forth, kasama nets them into a single figure and groups them into one card. Whoever owes the net pays it in one transfer, the other person confirms they received it, and every loan between you settles together. If you are the one who is owed, you can nudge them to settle instead of waiting.

Yes. You can log a borrowed or lent item — a drill, a book — with an optional declared value for the record. Items are tracked as a separate class from money: the declared value is kept for reference but never counted in your cash balance, since you cannot cash-settle a physical thing.

No. kasama.loan is a record-keeping tool, not a lender. It never moves, holds, or guarantees money. You can note interest that you and the other person have agreed on, but kasama does not set or charge it.

Yes. You can record a past loan or a cash repayment that already happened — the other person confirms it, and it is saved as a settled record without ever affecting a live balance. You can also log from your own side — a loan you owe someone — and it only becomes a live balance once they accept it.

For anyone already on kasama, you can send a reminder link over chat or SMS that opens straight to the entry for them to confirm, accept, or pay. For someone not yet on kasama, you share an invite link or QR instead. You are the only one who can send a reminder for your own entry.

It is built for the Philippines and uses the peso by default, but it works anywhere — the amounts are just numbers.

Your ledger is visible only to you and the people involved in each entry. See the Privacy Policy for the details.

They are temporary. A payment-proof screenshot is deleted about a week after the loan settles; a receipt photo is deleted about two weeks after a loan is settled, forgiven, or cancelled, or after 90 days of inactivity. There is no keep-forever option — if you want to keep an image, download a copy before it is cleared. Your loan records themselves stay for as long as your account is active.