Solvory: Debt Tracker & IOU

Nidal alshawwaf

Contains adsIn-app purchases

About this app

Know exactly who owes whom, split shared costs fairly, and keep your money organized — in one app.
Solvory is a debt tracker and IOU app for real life: log money you lend and borrow, share an entry so both sides agree on it, send a PDF statement in one tap, split bills with groups, and manage budgets — even offline.

📒 Debt tracker — get paid back without the awkward talk
• Log a loan or IOU in seconds: who, how much, what for, and when it's due
• See at a glance what you're owed and what you owe, per person and in any currency
• Record full or partial payments, or forgive a debt with one tap
• Attach a photo of the receipt as proof, and get a reminder before the due date
• Shared debt? Connect with your Solvory ID — nothing changes until both of you approve

📄 PDF account statement
Every debt, every payment and the running balance for one person, ready to send by WhatsApp or email. Handy for side gigs, tenants and small-business customers.

🧾 Split bills with friends and roommates
Trips, shared apartments, dinners, couples: create a group, split bills equally or by person, and Solvory suggests a settle-up plan with the fewest transfers.

📷 From paper notebook to phone (AI)
Snap a page of a paper debt book, check each line, and import it all at once. Or add a debt by voice or from a receipt photo.

🕌 Zakat calculator with sources
For Muslim users, a complete zakat calculator: money from your accounts or entered by hand, gold by karat, silver, cash, trading and long-term shares (AAOIFI Standard 35), trade goods, worn jewelry with the majority or Hanafi view, the gold or silver nisab, which debts count, a lunar-year (hawl) reminder, zakat al-fitr, livestock and rikaz. Every ruling shows its source; it's an estimate, so check with your local zakat authority.

👥 Who Solvory is for
• Friends and roommates who share rent, groceries and trips — an expense sharing app without spreadsheets
• Couples and families who lend each other money and want a clear record
• Freelancers and small shops tracking customer balances and IOUs
• Anyone who has ever forgotten who paid last time

💼 Budget and money manager
Accounts, income and expenses, budgets per category, recurring bills with reminders, savings goals and monthly spending reports — in the currency you choose.

🔒 Private and secure
• Works offline and syncs when you're back online
• Encrypted backup to your own Google Drive, fingerprint or face lock, CSV export
• No bank link, never holds or moves your money, no ads
• Home-screen balance widget and 74 languages

📲 Home-screen widgets: add a debt by voice in one tap, and see your balance and what's due soon.

❓ FAQ
• Is Solvory a lending app? No. It only records what happened between people — cash, bank transfer or anything else.
• Does the other person need the app? No. Entries stay private like a notebook; invite them any time to share.
• Can I use it for a small business? Yes — customer balances, PDF statements and payment reminders.

Try Solvory Pro free: 7 days on the monthly plan and 14 days on the yearly plan; the price shows in your currency before you pay.
Solvory: the debt tracker, IOU and bill splitter that keeps everyone square.

What’s new

• Suggestions for you: bills, your salary and instalments found in what you recorded, approved one by one
• Arrange my month: changes that make next month fit your income, you approve each
• Ask Solvory and the voice call can show a table, to copy or share