Never forget who owes you, or who you owe.
This is the feature Kashaa exists for. Family, flatmates, colleagues, the running tab with your closest friends - every peso tracked by person, with full history and a balance you can trust.
The problem
A loan is not an expense.
It's tempting to log “lent ₱2,000 to Maria” as an expense, but it isn't one. Your net worth didn't change; the money just moved from your pocket into an IOU. And when Maria pays back ₱500, that isn't income either.
Log it as an expense and your spending report is wrong. Leave it out and your balance is wrong. Most people end up doing neither and keeping the whole thing in their head, which works right up until the group dinner three weeks ago becomes an argument.
Kashaa models it correctly, because it models it as a ledger.
How it works
Four actions, two ledgers.
A debt movement is a single record that hits both ledgers at once - your account balance and that person's running balance.
| Action | Meaning | Cash | Their balance |
|---|---|---|---|
| Lend | You gave them money | out | they owe you more |
| Collect | They paid you back | in | they owe you less |
| Borrow | You took money from them | in | you owe them more |
| Repay | You paid them back | out | you owe them less |
Because one entry updates both sides, the two numbers cannot drift apart. There is no second bookkeeping step where you record the loan in one place and remember to adjust your balance in another.
The Debts tab
Sorted by what you'd worry about.
The Debts tab lists every person you have an open balance with, sorted by how large that balance is - so the ₱15,000 sits at the top and the ₱200 sits at the bottom.
Open a person and you get three tabs - money sent, money received, and anything waived - plus their net balance as one number at the top.
Sent
Everything that left your pocket for them: the loans you made and the repayments you handed back.
Received
Everything that came the other way: their repayments and anything you borrowed.
Waived
The amounts you decided to write off, kept visible rather than deleted.
Waiving
Forgiving a debt without falsifying the record.
When you decide you're never getting that ₱500 back, you write it off as a debt adjustment. It reduces their balance without pretending the loan never happened.
This matters more than it sounds. “Forgive a debt but keep the record” is a real social transaction, and the two obvious workarounds both lose something: delete the entry and the history goes with it, keep it and you carry a balance you both know is fiction.
The balance is derived
Every debt balance resolves through one view that signs the four actions and subtracts adjustments. The number is computed from the ledger, not stored and slowly drifting.
Edits reverse cleanly
Change an amount months later and Kashaa reverses the original entry's effect before applying the new one, in a single transaction.
History survives cleanup
Deleting a category never orphans the records inside it - Kashaa asks you to reassign them first, so you can reorganise years in.
Who it's for
If you've ever tried to remember who owes what.
- You spotted a friend ₱2,000 at dinner and they'll pay you back “next week”.
- Your sibling has been slowly repaying a loan you gave them in March.
- You cover the group order every time and settle up at the end of the month.
- You borrowed from a parent and want to know exactly what's left, not roughly.
Related features
Fast entry
A full-screen numpad. Amount, account, category, save - under five seconds.
Multiple accounts
GCash, Maya, bank, cash and credit cards in one real balance.
Works offline
Your phone holds the database. Full app with zero signal.
Spending heatmap
A calendar sized by what you spent. Patterns surface on their own.
Budgets
Weekly or monthly limits scoped to the subcategories you choose.
Settle up with the actual number.
Free to download, and debt tracking is in the free tier from the first minute.