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Pricing

Clear plans.
Real numbers.

Lapo is free, forever, no card. Nepo and Odogwu give Kalku more room — more entries, bank statements, reports. Everything in one table, no guessing.

Pay yearly and get 2 months free on Nepo and Odogwu.

Compare plans
Lapo

Start here. No card, no expiry.

₦0/forever

Free on every currency

Start on WhatsApp

No card needed

Most loved
Nepo

For when Kalku is how you run your money.

₦30,000/yr

≈ $23/yr

Choose Nepo

Full access today

Odogwu

For people who touch their money all day.

₦50,000/yr

≈ $38/yr

Choose Odogwu

Full access today

Entries per day525No cap*
Entries per year1,800150/mo drip9,00036,000
Catch-up boost (up to 3×)—n/ano cap to boost
Bank-statement imports—5per month15per month
PDF reports—UnlimitedUnlimited
Tax estimator—
Spending budgets11050
Voice notes & receipt snaps
WhatsApp + Telegram + Web
Unlimited history
Storage50 MB500 MB2 GB

* Odogwu has no daily cap — a rolling allowance of 50 actions every 2 hours, so heavy days never hit a wall. Every plan speaks English, Pidgin, Yoruba, Hausa & Igbo.

Need more than Odogwu gives? Kalku builds custom packages for heavier use — email hello@kalku.ai and tell it what you need.

The fine print, short version

No traps. Just a diary you can trust.

Prefer to try first? Start free for 14 days on WhatsApp — no card.
Full refund in the first 7 days. After that, Kalku pro-rates what's left.
Switch tiers whenever you want — Kalku keeps your history.

Questions

Before you start

What counts as an "entry"?
One thing you log or ask — a spend, a payment, a loan, or a question to Kalku. Simple taps like checking your balance don’t count. Heavier jobs (a voice note, a receipt photo, a full bank statement) use a little more.
Do I need a card to start?
No. Lapo is free forever, and every paid trial runs 14 days before Kalku ever asks for one.
Can I change plans later?
Any time. Kalku carries your history with you — nothing resets when you move between tiers.
What if I don’t use my plan much some weeks?
The room you don’t use rolls forward into your yearly total, and a quiet stretch can even boost your next busy day. Nothing is wasted.
Can I get a refund?
Within 7 days, yes, in full. After that Kalku pro-rates it against what’s left on your plan. Full details in the refund policy.
Is Kalku a bank?
No. Kalku is a diary — it logs what you tell it, and what’s on the statements you give it. It never moves your money.
What about businesses?
Business is coming, we’ll notify you when it’s ready.

Running a business?

Kalku Market and Kalku Mall — multi-contributor diaries for small businesses. Business is coming, we'll notify you when it's ready. Drop your email below.

If you really need business features now, email hello@kalku.ai and we'll discuss a custom arrangement.