The question every Nigerian asks themselves
Where did all my money go?
The answer
Your money didn't disappear. It went to the Uber when it was raining. It went to Mama's hospital bill because who else was going to sort it? It went to the airtime and the subscription and the data and the market run.It went to your life.
Your life is not irresponsible — it's just complex. I'm built for yours.
Spend with your heart.
Track with your head.
A money diary on WhatsApp. Tell me what happened — in your language — and I'll remember.
The diary
Tell me what happened.
In your language. I remember.
English, Pidgin, Yoruba, Hausa, or Igbo — type it, voice it, snap a receipt. I'll parse it, categorise it, and keep it in your diary for whenever you ask.
Kalku
online
Kalku
online
The people
I keep the receipts on everyone.
Who owes you. Who you owe. The ₦20,000 from March that everyone keeps forgetting. Per-person net positions, across months, across people, across your whole life.
Everything you'd write in a diary.
Income. Expenses. Loans you gave. Loans you took. Gifts. IOUs. Savings goals. Budgets. Recurring entries. Bank statements. Tax estimates.
All in one chat. All in your language.
I won't blow your phone.
“If you don't message me or ask me to message you, I no go just jump on you. We get our parole — you talk to me, I dey there.”
No “we miss you” notifications. No streak alerts you didn't ask for. Silence is a feature.
When we go live.
Free trial, no card. Paid plans from ₦15,000/year. Full breakdown when we launch.
Your diary is yours.
Encrypted at rest. Per-user isolation. Optional PIN.
Never sold. Never shared. Never used for advertising.
Read the Terms, Refund Policy, and Trial Terms for the full picture — including how AI parses your messages.
Two ways in.
Get on the list —
or get in early.
The waitlist is for everyone. The closed beta is 100 people I'll invite personally before launch.
Track today, thank yourself tomorrow.
Built in Nigeria. For Africa.