Everything you need to manage debts
Nine tools that turn scattered notes about loans, deposits and income 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
All your loans, payments and contacts in one Excel file on any plan — for accounting, archiving or moving elsewhere. Your data is always yours to take with you. Reports and statements — in Excel and PDF.
- 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
Deposits and their payouts
Deposits in every bank in one place: amount, rate, term, top-ups and documents. The payout schedule follows banking rules — daily accrual, capitalization, a payout moved off a weekend. See what comes in over 30 days and a year, which bank earns more and which deposit ends soon.
- Payout schedule
- Capitalization and top-ups
- Payout reminders
Salary, rent, dividends
Other income next to your loans: salary, rent, a side job, dividends, a pension. Enter the amount and how often it comes — the app shows what has arrived this month, what is still to come and what needs a mark. The Income flow report puts it all together: receipts, interest on loans and on deposits.
- Regular income
- «Received» mark
- Income flow
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
More features
Small things that save time
What makes everyday tracking faster and calmer.
Ask to borrow
A request to people who lend: amount, due date and interest. The loan appears when you accept their offer.
Due date reminders
3 days before, on the due date and weekly after it — to both sides of the loan.
Operations calendar
A month with the days money moved, and every loan and payment of the chosen day.
Edit or delete a payment
Got the amount or date wrong — fix the payment and the balance is recounted.
A bank receipt in two taps
Share from your banking app → BANKIR.KG — the receipt is attached to a loan or payment.
Contact archive
People you have settled everything with go to the archive and out of the list. The history stays.
App code and Face ID
The phone app locks with a 4-digit code, a fingerprint or Face ID.
All your data in one file
Loans, payments, contacts, deposits and income — in Excel on any plan.
Text size
Larger type — up to 130 %, and the layout stays neat.
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.
