ValuVale - Debt & IOU Tracker

Who owes you, and what do you owe? ValuVale answers at a glance: your net position. Keep the money you lent a friend, the gold coins gifted at a wedding, the dollars you borrowed and the monthly installment you pay in one place. Every record is stored in its own unit and shown next to its live Turkish lira equivalent, so a 30-coin gold receivable and a €1,000 debt roll up into one net balance at live rates. RECORDS • Debt or receivable; lump sum or installments • Partial payments: received 3,000 of a 10,000 ₺ debt — the rest is calculated for you • Manage business accounts or keep track of personal finances. • Advanced or received payment captured when the record is created • Optional or mandatory due dates, with a reminder on the day at the time you choose • Rate lock: freeze the rate of the record's day, or follow your debt or receivable at the market's live value • Pick the other party from Contacts or just type a name — a person or a company, whoever you need SAVINGS CIRCLES ("GÜN") Millions of people run rotating savings circles — a Turkish gün, a tanda, a susu. Who paid, whose turn is it, when do I collect: these questions get lost in messaging groups. In ValuVale, gather your circle and set it up, order the members by payout turn and enter the contribution — then easily track who receives which round, when your turn comes and how much you'll collect. In your own round you mark who paid you; in the other rounds only your own payment — because that is all you can actually know. If you're the one collecting the money, there's an option to track every payment. And don't worry: circles never touch your debt/receivable balance, so nothing gets mixed up. DASHBOARD • Net balance, receivable and debt totals, asset distribution • Live gold and currency rates on the refresh interval you choose • Latest money movements: new records, payments, paid installments, settled debts • One tap on the eye hides every amount PEOPLE • Net balance per person, with the native-asset breakdown • Full debt and receivable history, with notes • Manage corporate or business clients FOR RECURRING PAYMENTS Digital subscriptions, utility bills, rent you collect or contracts paid in installments: add the company as a person, set a due date, turn on the reminder. ValuVale is not a budgeting app — but you'll never miss who you owe. PRIVACY AND SECURITY • No ads — ever. Ads don't belong next to your financial data; not in the free app, not later. No ads to watch, nothing to close — now or ever. • Your data stays on your phone. No account, no server, no analytics, no third-party SDK. Your data is yours alone. • App lock with Face ID, Touch ID or a 6-digit PIN • Privacy curtain in the app switcher • Full backup, and restore whenever you want Use it in Turkish or English — whichever you prefer. ValuVale is your smart notebook that never forgets a debt or a receivable. Not one more app on your phone; one fewer "do you remember?".