Qarzee: Debt & IOU Tracker

Mahammad

About this app

Qarzee is the simple, shared way to keep track of money between friends, family and people you trust.

Lent money to a friend? Borrowed from a relative? Paying something back in installments? Instead of relying on memory, notebooks or old chat messages, record it in Qarzee. Both of you see the same record, and nothing counts until the other person agrees.

Qarzee does not move money. It keeps an honest record between two people and reminds you when a payment is due.

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WHY PEOPLE USE QARZEE

• One record, two people: every debt is shared between you and your friend, so there is only one version of the truth.
• Both sides agree: a new debt or a payment only counts after the other person accepts it. No surprises, no arguments.
• Never forget a payment: get reminders before the due date, on the day, and if it is late.
• Clear at a glance: see who owes you, whom you owe, and how much is left, in Iraqi Dinar and US Dollar, kept separately.

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THREE KINDS OF DEBT

• One-time loan: you lent money once and it will be paid back, in one go or in parts.
• Open account: an ongoing account where you both lend to each other over time, like a shop tab.
• Installments: paid back in parts on set dates. If a month is paid short, the rest carries over to the next installment automatically.

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FEATURES

• Add friends by username or by scanning their QR code
• Record payments and attach photos of receipts
• Print or share payment receipts and full statements as PDF
• Request changes to agreed records; the other person must approve
• Extend a due date or reschedule installments together
• Full history of who did what and when
• Reports with filters: balances by friend, payments, upcoming and overdue debts, monthly overview
• Notifications for requests, payments and due dates
• Home dashboard with totals and charts
• Kurdish (Sorani), Arabic and English, with full right-to-left support
• Light and dark mode
• App lock with PIN or fingerprint
• Hide amounts with one tap when you are in public

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PRIVATE BY DESIGN

• Your debts are visible only to you and the other person in each debt.
• Photos are private and never public.
• No ads, and we never sell your data.
• You can delete your account at any time.

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Qarzee is a record-keeping and reminder app. It does not lend money, hold money or transfer money between users.

Qarzee is developed by Awatech.

Questions or feedback? Contact us at [e-mail]

What’s new

Welcome to Qarzee! Record debts with friends, confirm every payment together, track installments, and get reminders before due dates.