Everything you need to manage debts
Seven tools that turn scattered loan notes into a clear, manageable system — from the first ledger entry to the annual report.
A single ledger of debtors and creditors
Keep a structured list of everyone you have money obligations with — from one-off loans to friends to regular borrowers. Every record has a card with transaction history, status and the current outstanding balance.
- Contact cards
- Transaction history
- Debt statuses
Flexible terms for every loan
Set the interest rate, accrual period and due date separately for each loan — to match the actual agreement, not an averaged template. When the agreement changes, update the terms and the balance is recalculated automatically.
- Interest rate
- Due date
- Auto-recalculation
Powerful reports with charts
Charts of lending and repayment trends, breakdowns by contact and currency, period comparisons — everything you need to see in seconds how much you are owed, how much you owe, and how that changed over time.
- Monthly trends
- By currency
- Period comparison
One-click data export
Export your debt ledger, payment history and reports in a convenient format — for accounting, archiving or simply peace of mind. Your data is always yours to take with you.
- Excel
- PDF reports
- Full history
Push notifications about loan payments
Get notified ahead of time — before a payment is due, not after it is already overdue. Choose how many days in advance to be reminded and stop keeping dates in your head. If the date has passed, remind the debtor with one tap: they get a notification in the app, a contact without an account — an email.
- Custom timing
- Overdue payments
- Push and in-app
Per-currency settings
Som, dollar, euro, ruble — choose the currency for each record and switch the display currency in the overall report. Exchange rates update automatically, no manual recalculation needed.
- Multi-currency
- Live rates
- Flexible display
Data security and encryption
All information is transmitted over a secure HTTPS connection and stored encrypted. Only you have access to your ledger — no matter which device you sign in from.
- TLS encryption
- Data privacy
- Access only for you
Manage loans right in Telegram
Add loans, record payments and check what you're owed with ordinary messages to the bot — no need to open the app. The bot understands natural language and splits a message into the amount, rate, due date and contact by itself.
- Lent Bakyt 50,000 som at 5% until December 1
- Loan draft: Bakyt — 50,000 som, 5% a month, until 01.12
- Asel paid back 10,000
- Payment draft: Asel — 10,000 som
- How much am I owed?
- You're owed 62,000 som on 4 loans
Your banker
in your pocket
Full apps for your phone: payments and due date reminders at hand, push notifications, sign-in with a fingerprint or Face ID. Your data syncs with the web version.
