How it works

Talk to Kalku like you'd talk to a friend.

Tell it what happened — in your language — and it remembers. No forms, no app to learn, no spreadsheet.

The core loop

Tell Kalku what happened. It takes it from there.

Tell Kalku

Type it, say it, or snap the receipt — in whatever language you’re thinking in.

Kalku logs it

Parsed and saved in the same breath. Not sure what you meant? Kalku asks — it doesn’t guess.

You look whenever

Balance, who-owes-who, reports — any time, on WhatsApp, Telegram or the web.

9:41●

‹

Kalku

online

⋮

Everything you'd write in a diary

Spends, loans, recurring bills, statements — Kalku holds all of it.

Spends & income

Everything that comes in, everything that goes out.

Type · Voice · Receipt

Between people

Loans you gave, loans you took, gifts, IOUs — who owes who, and by when.

Per-person ledger

Recurring & transfers

Rent, subscriptions, moving money between your own accounts — set once, logged every time.

Set once

Bank statements

Forward a statement PDF and Kalku logs the history straight into your diary.

Paid · PDF

However you'd rather say it

Kalku listens in five languages, and reads however you send it.

EnglishPidginYorùbáHausaIgbo

Kalku detects the language automatically and replies in kind.

Type itVoice noteSnap the receiptForward a statement

Relocating? Kalku opens a new-currency account the day you land — your old one stays exactly as it was.

Wherever you already are

WhatsApp. Telegram. The web. One diary underneath.

Same backend, same data — Kalku just shows up differently depending on where you are. Start on WhatsApp, move to Telegram if you type fast, open the web when you want the full picture.

WhatsAppPrimary — start here

TelegramFor power users who type fast

WebInstallable app · transactions + reports

Review, on your own time

Ask Kalku, and it reads your whole diary back to you.

Running balance. Who owes who. Every currency you hold, rolled up in one place. Categories, locations, budgets, a tax estimate — and a PDF whenever you need one.

You: “Where did my money go in June?”

Where your money went · June

₦214,300

Food₦120,000

Transport₦45,000

Family₦35,000

Airtime₦14,300

The fine print, in one line

No traps in how it works either.

Undo any entryDuplicate entries get caughtPIN on sensitive actionsKalku never moves your money

Now you know how

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 up your phone — only the reminders you ask for.

Start on WhatsApp

Track today, thank yourself tomorrow.

Built in Nigeria. For Africa.