One record per person
Keep their phone number, individual debts, repayments, and remaining total together.
For individuals
Remember who owes you—and what they have paid back.
Kowope gives you a private record for personal loans and money owed. Record the reason, optional due date, every partial repayment, and the balance that remains.
Keep personal money records clear
A personal debt tracker helps you remember money lent to friends, relatives, colleagues, or anyone else—and reduces disagreements by preserving the payment history.
Partial repayments
Record each amount received without losing the original amount or reason.
Respectful follow-up
Edit and review a reminder before choosing WhatsApp, SMS, or a phone call.
Private by default
Your authenticated ledger is kept separate from every other Kowope account.
Kowope does not collect or lend money
Kowope records information you enter. It does not transfer funds, charge the person who owes you, confirm bank payments automatically, or report anyone to a credit bureau.