Smarter group payments.
Group payments collection
without thechase.
Bills, trips, IOUs. kolect handles the tracking, the nudging, and the drama. One link. Live updates. Clear deadlines.
1,247 on waitlist
12 joined today
DEVELOPMENT
Started · Mar 2026
Magodo Estate
March · 5 members
Collected
Adaeze
₦18,500
Tunde
₦18,500
Emeka
₦18,500
Chidi
₦18,500
Ngozi
₦18,500
Live activity
Adaeze paid
₦18,500 · Magodo Estate
Tunde joined
Trip to Lagos · 5 members
Emeka paid
₦12,000 · Office Lunch
Chidi settled
₦8,400 · Birthday Pool
One app for every group
payment situation.
Whether you're managing an estate, planning a trip with friends, or running a savings club, kolect is built for exactly that.
For estate & community levies
Admins collect maintenance fees and levies without the back-and-forth. Residents see exactly what’s owed, pay in seconds, and never get blamed for payments that actually went through.
- Automatic monthly billing cycles
- Members see their balance and payment proof
- Reminders sent before and after deadlines
- Full payment history for everyone
Everything you need
Built to handle the messy parts of group money so you can focus on what matters.
Real-time payment tracking
Admins see who has paid instantly. Members get clear confirmation their payment landed, no more “did you get my transfer?” back-and-forth.
Automated reminders
Admins stop chasing. Members get friendly nudges before deadlines so nothing catches them off guard. No awkwardness on either side.
Instant invite links
One link to join. Members see exactly what’s owed, when it’s due, and how to pay, no need to ask anyone for account numbers or context.
Unified payment schedule
Every personal debt and every group payment on one timeline, bucketed by urgency. See what’s overdue, due this week, or coming up, without juggling apps or memory.
Finally, a debt tracker that actually remembers
Personal loans with friends, family, or colleagues, tracked with three repayment strategies, automatic reminders, and a runway that shows exactly when you'll be debt-free.
Instalments
Same amount, steady rhythm
Fixed amount every week or month until it’s paid off. Kolect builds the schedule, tracks each instalment, and reminds both sides before every due date.
Lump Sum
One payment, one deadline
Pay the full amount by a single date. No schedule to juggle. Just one clean deadline with a reminder before it lands.
Flexible
Pay as you can
No fixed schedule. Pay any amount whenever it suits you. Kolect logs every payment and keeps the remaining balance up to date.
Debt-free in
4.2months
at your current pace
Total owed
₦ 285,000
Monthly
₦ 68,000
Every payment, one timeline
Personal debts, Ajo, shared bills, splits, all in one view, sorted by urgency. Overdue first, so nothing slips.
- Overdue items pinned to the top in red
- Personal loans and every group you belong to, merged
- Tap any row to pay, nudge, or review in one step
Tunde: Business loan
Instalment 3 of 6
Debt₦ 25,000
3 days late
Magodo Estate levy
March maintenance
Shared Bill₦ 18,500
Due Fri
Office Ajo: Round 4
Weekly contribution
Ajo₦ 10,000
Due Sat
Lagos trip
9-way split
Bill Split₦ 42,000
Apr 29
Ngozi: Personal loan
Lump sum
Debt₦ 60,000
May 1
Netflix family plan
Monthly share
Shared Bill₦ 1,200
May 18
The better way.
Four simple steps.
Create or join a group
Admins create a Shared Bill, Bill Split, or Ajo in about 2 minutes. Members join instantly via a single invite link.
See what’s owed
Everyone sees the amount, deadline, and payment status. No confusion about what to pay, when, or to whom.
Pay & get confirmed
Members pay directly in the app. Both sides get instant confirmation. kolect sends reminders so nobody has to.
Track everything
Full payment history, cycle progress, and upcoming deadlines visible to admins and members alike.
Questions, answered.
Everything you need to know about kolect.
What is kolect?
kolect is a mobile app that helps groups collect and manage shared payments. Whether you're splitting a one-time expense, managing recurring shared bills, or running an Ajo (rotating savings club), kolect handles the tracking, reminders, and coordination.
1,247 people already saved a spot. Grab yours before launch.