Qarzer keeps money between people clear — and helps you keep more of your own.

Lend to a friend, split a trip with a group, or simply see where your salary goes: Qarzer brings debts, shared expenses and your personal budget into one app.

DEBTS BOTH SIDES AGREE ON
Qarzer is a ledger: no money moves inside the app, it records who owes whom. Every entry is confirmed by the person it affects, so there are no "I paid you" / "no, you didn't" arguments.
- Lend, record repayments and agree on a new due date — right inside the chat
- Each debt keeps its own amount, currency, due date and payment history
- Partial payments, with the remaining balance calculated for you
- Attach a photo, such as a bank transfer screenshot
- Send a gentle reminder — at most once a day, and only in the daytime
- Every confirmed debt becomes a receipt you can save as an image or PDF

GROUP EXPENSES WITHOUT THE MATH
Trips, shared flats, dinners with friends — one group, one shared ledger.
- Split equally, by exact amounts, percentages, shares, adjustments or item by item
- Add tax and tip
- Several currencies in one group, each kept separately
- A settle-up plan that clears everything with the fewest transfers

PULLER — YOUR PERSONAL MONEY TRACKER
Built to help you save, not to give you permission to spend.
- Log income and expenses in seconds, or type a single line like "coffee 25000 card"
- Works fully offline and syncs across your devices
- A daily verdict compares today with your own usual day
- See what a purchase really costs in hours of your working life
- Budgets, savings goals, "pay yourself first" and recurring bills
- A loan calculator that shows the real cost before you borrow
- Monthly and yearly reports, PDF export and receipt photos
- Quick entry straight from the notification shade
- Short money wisdoms from well-known books and authors

SEE THE WHOLE PICTURE
- Who owes you and whom you owe, person by person
- Statistics by month and year: what you lent, borrowed and got back
- 50 currencies — amounts are never converted or mixed

PRIVATE AND SECURE
- App lock with a PIN and biometric unlock
- Up to three accounts on one phone
- Your phone number is visible only to your contacts

MADE FOR EVERYONE
- 15 languages, including Uzbek (Latin and Cyrillic), Russian, Turkish, Kazakh and English
- Light and dark themes
- Add people by phone number, username or QR code, or invite them by SMS

Qarzer Pro raises the limits for groups, members, daily entries and more for those who need them.

Qarzer is for anyone who lends, borrows or shares costs — friends, families, flatmates and small business owners — and for everyone who wants to know where their money goes.