Lending money to family or a friend is easy. Keeping it clear afterwards is the hard part.

Chipkie is where the two of you agree what was lent, when it gets paid back, and what happens if life gets in the way — so nobody has to rely on memory, and nobody has to have the awkward conversation.

WHAT CHIPKIE DOES

• Set it up together. Both people see the same agreement, the same schedule and the same balance. No arguing about what was said in the kitchen eight months ago.
• Automatic repayment schedules. Weekly, fortnightly or monthly, with interest or without.
• Gentle reminders. Chipkie does the nudging, so you don't have to.
• Log repayments. Record cash, bank transfers or anything else, and attach a receipt.
• Always know where you stand. Balance, what's paid, what's left, at a glance.

WHEN THINGS CHANGE

Life happens, and a good arrangement bends instead of breaking.

• Ask for a payment holiday, or a smaller payment for a while — without an awkward phone call.
• The other person accepts or declines in the app.
• Chipkie never chases anyone like a debt collector. That is not what this is for, and it never will be.

MAKE IT OFFICIAL (OPTIONAL)

Add a proper written loan agreement, e-signed by both parties and valid in your country. A one-off fee per loan, no subscription. Free loans stay free forever.

Paid loans also unlock:
• Tax-ready statements
• A full amortisation schedule
• An early-payoff calculator
• Receipt scanning
• A court-ready evidence pack, if it ever came to that

WHO IT'S FOR

Parents helping with a house deposit. A sibling covering a car repair. Friends splitting something big. Anyone who has already decided to lend, and wants it written down properly.

WHAT CHIPKIE IS NOT

Chipkie is not a lender and does not provide credit, loans or financial advice. We don't lend money, we don't introduce you to lenders, and we don't decide who should lend to whom. Chipkie is a record-keeping and agreement tool for money you have already agreed to lend to someone you know.

Free to use. Available in Australia, the United States and the United Kingdom.