Fragile memory
Months later nobody remembers installments, dates, or currencies.
Personal ledger · Offline-first
Saldados Clear balances between friends. No lectures.
Log what you lent, what you borrowed, and every payment — with a photo if you want. Visible balances. Neutral reminders. The relationship stays yours.
- Free to start
- No account required
- Your data on your phone
The usual mess
WhatsApp is not a ledger.
Scattered notes, lost screenshots, and “how much was it again?”. When money is between people you know, the mess hurts more than the amount.
Loose proof
The voucher lived in the chat… or nowhere.
Awkward asks
You don’t need a bank. You need clarity without a fight.
Saldados
A notebook built for person-to-person loans.
Collect and repay in clear tabs. People, reasons, currencies. Payments with optional proof. Cloud only if you want it.
- They owe me / I owe — totals you grasp at a glance
- Payment history with photo or note
- Works offline; sync when you enable an account
What’s inside
The essentials so money doesn’t spoil the friendship.
Collect & repay
Two sides of the same habit. Lists by person or loan, with open / partial / settled status.
Proof on payment
Attach a screenshot or voucher photo. It sticks to the payment — not lost in chat.
Offline-first
The ledger lives on your phone. An account unlocks sync; it’s not a signup wall.
Multi-currency
PEN, USD, and more. Each loan keeps its currency; totals stay honest.
Neutral reminders
Local alerts: “due today”. No aggressive collection. We never message the other person for you.
Real privacy
Evidence photos are private. Delete account deletes data. No lecture-y finance ads.
Three steps
Less friction. More clarity.
- 01
Log the loan
Who, how much, currency, date. Lent or borrowed.
- 02
Record each payment
Amount, method, and optionally the voucher photo.
- 03
See the balance
Home shows what you’re owed and what you owe — no spreadsheet.
Real product
This is Saldados.
Real app views, presented for the web.
No fluff
Built for real life in Latin America.
Guest-first
Use the app without an account. Cloud is optional.
Honest freemium
Core logging and balances stay free. No fake paywall.
Built by Koudt
Small team, careful product. No finance-bro lectures.
FAQ
Frequently asked questions
Is this a bank or a collection app?
No. It’s your personal ledger. We never contact who owes you. You choose how to talk about it.
Do I need internet?
Not to log entries. Offline-first. Enable an account later if you want multi-device sync.
How much does it cost?
You can start free. Advanced features (like quick write) come later; the core isn’t locked away.
Are my voucher photos public?
No. Evidence is served with authentication. The media bucket is private.
Can I delete my account?
Yes. From the app you delete the account and associated data. Policies also live on koudt.dev.
Where do I download it?
We’re in closed testing / heading to the stores. Reach out via the CTA or hello.world@koudt.dev.
When you’re ready
Stop carrying the money in your head.
Saldados is coming to the App Store and Google Play. Meanwhile, write us if you want into the closed test.
iOS & Android · Neutral LATAM Spanish in-app · Offline-first