QarzDaftar — Debt Tracker

QarzDaftar is a secure debt tracking app that helps you record who owes you and who you owe — with a powerful shared ledger so both parties always see the same numbers. — TRACK EVERY DEBT CLEARLY — Create accounts for people or businesses. Record every "gave" and "received" transaction. Your running balance is calculated automatically — no math, no mistakes. Perfect for personal loans, business debts, and informal credit. — SHARED LEDGER: ONE TRUTH FOR BOTH SIDES — Link your account with another QarzDaftar user via QR code or invite link. Both of you see the same ledger in real time. Every transaction added by one side must be approved or rejected by the other. No silent edits. No disputes. One shared truth. • Link accounts via QR code or invite link — works remotely • Every transaction requires explicit approval from both sides • Approved transactions are permanent — cannot be deleted or secretly changed • Edit history preserved — if a partner edits, you see the previous version before approving • Reject incorrect entries and submit corrections • Direction auto-flips: "I gave $100" on your phone shows as "I received $100" on theirs — MERGE EXISTING RECORDS — Already been tracking privately? When you link accounts, QarzDaftar offers a reconciliation screen: • Side-by-side comparison of both histories • Auto-matching of identical transactions • Three modes: Trust One Side, Manual Merge, or Fresh Start with agreed balance • Original private records archived for reference — MULTI-CURRENCY SUPPORT — Set your primary currency and add transactions in any currency — USD, UZS, RUB, EUR, and more. Define exchange rates. View balances in your primary currency or the original currency. Ideal for cross-border debts and international business. — ACCOUNT GROUPS — Organize accounts by region, category, or business type. See aggregate balances across a whole group instantly — perfect for merchants or anyone managing multiple debtors. — ATTACHMENTS & RECEIPTS — Attach photos of receipts, checks, or handwritten agreements to any transaction. Add itemized lists (item, quantity, price) as documentation. All attachments sync securely via the cloud. — TEMPLATES FOR QUICK ENTRY — Create reusable templates for frequent items or transactions. Add transactions in seconds with pre-filled details. — EXPORT PDF & EXCEL REPORTS — Generate professional reports — per account, per group, or your entire ledger. Share statements via WhatsApp, Telegram, email, or any app. Great for audits and business records. — DASHBOARD OVERVIEW — See your full financial picture at a glance: • Total money owed to you • Total money you owe • Net position • Per-account balance summary — WORKS 100% OFFLINE — No internet? No problem. QarzDaftar works fully offline. All data is stored locally on your device. Sync happens automatically when you're back online. — GOOGLE DRIVE BACKUP & RESTORE — Your data — including all images and shared ledgers — backs up to YOUR Google Drive. No third-party servers. You own your data. Switch to a new phone and restore everything instantly. — SECURE & PRIVATE — • PIN lock (4-6 digits) • Biometric lock (fingerprint / face recognition) • Data stored on your device and your Drive — nobody else has access — 20+ LANGUAGES — Available in English, Uzbek, Russian, Turkish, Arabic, Hindi, Spanish, French, Portuguese, Chinese, Korean, Kazakh, Kyrgyz, Tajik, Turkmen, Azerbaijani, Persian, Japanese, German, Indonesian, Bengali, and more. Switch anytime from settings. — FREE TO USE WITH OPTIONAL PRO — QarzDaftar is free to use with all core features: shared ledger, Google Drive backup/sync, multi-currency support, PDF/Excel export, and more. Up to 5 accounts are included for free; additional accounts require a Pro subscription.