The question every Nigerian asks themselves
Where did all my money go?
Say hi and start your diary — no app, no forms. Free to try.
The answer
Your money didn't disappear. It went to the Uber in the rain, Mama's hospital bill, the airtime, the market run. It went to your life.
Your life is not irresponsible — it's just complex. Kalku is built for yours, because logging your money is really logging your life.
Spend with your heart.
Track with your head.
An AI-powered money diary on WhatsApp. Tell Kalku what happened — in your language — and it remembers.
Kalku
online
The habit
Kalku just logs it. If it's not sure, it asks.
Clear message, clean save — instant, with a one-tap undo if Kalku got it wrong. It only stops to check when something's genuinely unclear.
The people
Kalku keeps the receipts on everyone.
Who owes you. Who you owe. The ₦20,000 from March everyone keeps forgetting. Per-person positions — across months, across people, across your whole life.
Shopping run? Snap the receipt — Kalku reads every line and logs it, no typing.
People
Net position · this year
Everything you'd write in a diary
All in one chat. All in your language.
Logging
Income and expenses, one message at a time.
Type · Voice · ReceiptPeople
Loans you gave, loans you took, gifts, IOUs.
Per-person ledgerGoals & Budgets
Savings goals, budgets, recurring entries.
Set once, trackedStatements
Forward a bank statement PDF — Kalku reads it into your diary.
PDFReports
The story of a week, a month, a whole year.
Export CSV · JSONTax estimate
A rough number, so nothing surprises you.
EstimatorMoney is time
If time is money, Kalku shows you where your time went.
Ask Kalku — what you spent, on who, on what, when — and it reads your whole diary back in one straight answer.
You: “Where did my money go last month?”
Your diary is yours
Never sold. Never shared. Never advertised on.
Your diary is PIN-locked, encrypted, and isolated to you. Yours to export or delete, whenever you want.
Wherever you are
Kalku speaks Naira. And Cedi, Rand, Dollar, Pound, Dirham — every currency there is.
Log in the currency you're holding — almost 200 of them — in the language you think in. English, Pidgin, Yorùbá, Hausa or Igbo.
In their own words
Less notebook. More knowing.
Kalku has been really helpful for me. I used to just spend and wonder where the money went, but now I can keep track of my income and expenses without making it complicated. It's one of those simple tools that actually makes a difference.
TubosunEntrepreneurI finally see where my salary goes each month. Logging on WhatsApp means I actually do it — no app to open, no forms.
No more arguments about who owes who. I just check Kalku and the number is there. It has saved me real wahala.
Start in the next minute
Say hi. That's the whole setup.
- No app to download, no forms to fill.
- On the WhatsApp you already have.
- Kalku won’t blow your phone — only the reminders you ask for.
Track today, thank yourself tomorrow.
Built in Nigeria. For Africa.