Solvory: IOU & Bill Splitter

Nidal alshawwaf

Contains adsIn-app purchases

About this app

🎯 ONE LEDGER, EVERY DEBT
• Add a debt in three taps: who, how much, what it was for
• Mark payments as they come in — partial or full
• Settle in one tap when it's done
• Multi-currency on a single trip: log a USD coffee and a EUR train ticket together
• Attach receipts or photos as proof — no more "I'll send it later"

🤝 BILATERAL LEDGER (OPTIONAL)
• Link with the other person and both sides agree on every entry
• Propose a settlement, the other person accepts, the ledger zeros out
• Forgive a debt with one tap when you don't want to be repaid
• Works with people who haven't installed Solvory yet — invite by email, they sign up to claim

✨ NO REAL MONEY, EVER
Solvory never touches a bank account, never holds funds, and never charges fees on settlements. We're a coordination layer — a shared journal between people who already trust each other. You decide how money actually moves: cash, bank transfer, Venmo, Cash App, whatever.

🌍 16 LANGUAGES, OFFLINE-FIRST
Works fully offline — log debts on a flight, sync when you land. Available in English, Spanish, Arabic, French, German, Hindi, Japanese, Korean, Portuguese (Brazil + Portugal), Russian, Turkish, Indonesian, Chinese (Simplified + Traditional). Every menu, every prompt, every notification, in your language.

📊 INSIGHTS THAT HELP
• See your net position across everyone, in your home currency
• Spot the friend who always owes you (or vice versa)
• Filter by person, currency, status, date range
• Export the whole ledger as CSV — for taxes, family bookkeeping, or your own records

🔔 GENTLE REMINDERS
Optional, never spammy. A quiet ping the day a debt is due. Turn them off if you'd rather not.

🔒 PRIVATE BY DESIGN
• Your debts are yours — never sold, never shared with advertisers
• Encrypted in storage, encrypted in transit
• Delete your account anytime; data is purged within 30 days
• No tracking pixels, no ad networks, no behavioral profiling
• No real bank or card data is ever requested or stored

🌟 BUILT FOR THE MESSY REALITY
Most expense apps assume every bill splits evenly. Solvory was built for the truer story: uneven loans, partial payments, debts that span months, the lunch you'll square up "next time," the parent who quietly covers something for years. Whatever shape a debt takes between two people who trust each other, Solvory tracks it cleanly — and stays free, ad-free, forever.

👤 WHO IT'S FOR
• Roommates squaring rent, utilities, groceries
• Travel buddies juggling shared trip costs in multiple currencies
• Couples mixing personal + shared spending
• Family lending across generations
• Friends keeping an honest tab

🚀 WHY SOLVORY
✓ Simple enough to log a debt in 8 seconds
✓ Honest enough to handle a year-long balance with a parent
✓ Beautiful enough that you'll actually open it
✓ Free forever for personal use — no ads, no daily limits

Download free. Honor what you owe. Together.

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What’s new

What's new in 1.0.28: link past entries to a friend the moment they join Solvory — one tap, one approval, both ledgers stay in sync. Split group expenses across multiple payers with automatic settlement. Cleaner two-row action bar, fresh translations across 86 languages, faster offline mode, and a "Link to Solvory" prompt on supplier cards. Thanks for using Solvory!