Koko: Debt Tracker & Alarm

5.0 ★ - #1 Debt Tracker App

In-app purchases

About this app

Koko is your all-in-one debt tracker, bill organizer, payment alarm, and earning companion. Track your utang, organize your bills, remember payment deadlines, and discover opportunities to earn extra money to help pay off your debt.

**Track your debt. Never miss a payment. Earn toward financial freedom.**

NEVER MISS A PAYMENT
**Payment Alarms & Reminders**

Set reminders for your debts, loans, credit cards, bills, subscriptions, installments, and hulugan. Choose when and how often you want to be reminded. Koko can continue reminding you until you mark a payment as Paid.

EARN EXTRA TO HELP PAY OFF YOUR DEBT
**Earn with Koko**

Discover earning opportunities through Koko's referral and affiliate program. Share Koko, invite others, and earn commissions from eligible referrals who become paying subscribers, subject to program terms.

Use your earnings to help cover bills, loans, and other financial obligations. Turn referrals into an opportunity to make progress toward your financial goals.

• Share Koko with friends and family
• Invite new users
• Earn eligible referral commissions
• Put your earnings toward your financial commitments

**Earn extra. Pay down debt. Move forward.**

Earnings are subject to eligibility and program terms. Income is not guaranteed.

KNOW EXACTLY WHAT YOU OWE
**Debt Tracking & Payables**

Keep your debts and bills organized in one place. Track outstanding balances, due dates, amounts already paid, and remaining balances. Record full or partial payments and stay informed about what you still owe.

Manage personal utang, loans, credit cards, utilities, subscriptions, installments, and other financial obligations without relying on scattered notes or messages.

WATCH YOUR REPAYMENT PROGRESS
**Debt & Payment History**

Monitor your total debt, payments made, remaining balances, and upcoming deadlines. Keep a convenient payment history and receipts so you can review what you paid and when.

Every payment is a step toward your financial goals.

MANAGE HOUSEHOLD PAYMENTS TOGETHER
**Shared Payables**

Share selected debts and bills with your partner or family. Coordinate household payments and stay informed without constantly asking, "Bayad na ba?"

UNDERSTAND YOUR MONEY
**Income, Expenses & Analytics**

Record your income and regular living costs to understand how much money remains after your upcoming payments.

Monitor money coming in, living expenses, upcoming bills, and money going out. Make more informed decisions about your budget and financial commitments.

KEEP YOUR DATA AVAILABLE
**Cloud Sync, Backup & Restore**

Access your information through supported cloud sync features. Use backup and restore options to help preserve your payment records, balances, and history.

PROTECT YOUR PRIVACY
**4-Digit PIN Protection**

Add an extra layer of privacy with PIN protection to help prevent unauthorized access to your financial information.

SIMPLE, PERSONAL & EASY TO USE

Manage your utang, debts, loans, bills, credit cards, subscriptions, installments, and household payments without complicated financial tools. Personalize your experience with dark mode and color themes, and celebrate your progress with Koko's friendly bird companion.

MADE FOR EVERYDAY FILIPINO FINANCES

Whether you're tracking money borrowed from friends, managing credit card debt, paying monthly bills, handling hulugan, organizing family expenses, or looking for extra earning opportunities, Koko helps you stay organized and take control of your payments.

**Track your utang. Organize your bills. Never forget a payment. Earn extra to help pay off your debt.**

Download Koko today and take the next step toward a more organized financial life.

What’s new

💸 Koko Earn is live — share your code and earn real cash when friends go Premium (paid to GCash, bank, or e-wallet).
- Subtle haptic feedback across the app.
- Smoother email sign-in and clearer payout details.
- "Monthly interest" debts now show their due date, plus reliability fixes and polish.