# ValuVale - Debt & IOU Tracker — Gold, FX & savings circles > Gold, FX & savings circles (iPhone/iPad app by OGUZ HAN TURAN.) - Source: https://appshunter.io/ios/app/valuvale-debt-and-iou-tracker/id6812911060 (this page in markdown: same URL + `.md`) - Developer: [OGUZ HAN TURAN](https://appshunter.io/developer/6812911062) - Category: Finance, Productivity - Price: Free - Age rating: 4+ - Requires: iOS 17.0 · 5 MB - Languages: American English, Turkish - Released: 2026-10-04 - Data updated: 2026-10-24 ## What is ValuVale? 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 • Keep a small business's customer and supplier accounts, or just your personal IOUs • Partial payments: received 3,000 of a 10,000 ₺ debt — the rest is calculated for you • Advance 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. MY SAVINGS The gold under the mattress, the dollars in the home safe, the lira you've set aside: keep them all in one place. Note when and at what price you bought, and ValuVale shows today's value and your gain or loss. • Today's price right next to your buy price, so a gain or loss explains itself • Value Over Time chart: what your savings were worth, day by day, with every purchase and sale marked • "I Sold It": sell all of a saving or just part of it; a sale can be undone • An icon for each saving: wedding, home, car, emergency fund… Savings never count toward your debt/receivable balance; the two stay separate. HOME • 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 • A My Savings card, which you can hide in Settings • 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 • Add your business's customers and suppliers as companies 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. ## Is ValuVale safe? Not enough ratings yet to assess ValuVale. ## Is ValuVale legit? ValuVale - Debt & IOU Tracker has limited verification signals. The AppsHunter Legitimacy Score for ValuVale is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Version history (last 5 releases) ### 1.3 — 2026-10-20 hat's new in this version: • My Savings: keep your gold, currency and Turkish lira savings in one place. Note when and at what price you bought, and see today's value and your gain or loss. • Value Over Time chart: what your savings were worth, day by day. Every purchase and sale is marked; drag along it to see that day's price. • Today's price right next to your buy price, so a gain or loss explains itself. • "I Sold It": sell all of a saving or just part of it. Sales move to "Sale History", and a sale can be undone. • Pick an icon for each saving: wedding, home, car, emergency fund… • A My Savings card on Home, which you can hide in Settings. Savings never count toward your net balance. • Tap the tab you're on again to jump back to its start. • "What is a savings circle?": tap ⓘ on the Circles tab for a short explainer. • Clearer charts and small fixes. All your records and savings circles are kept exactly as they were. ### 1.2 — 2026-10-10 What's new in this version: • New tab bar: Home, Records, Savings Circles and People at the bottom. The single "+" next to it adapts to where you are; on a person's screen, that person is already filled in. • Settings now sits at the top right of Home. • Record icons: home, bill, car, wedding, travel… Pick an icon for each record and spot it in the list at a glance. • Tap Receivable, Debt or the chart on Home: Records opens filtered to that side. • A cleaner record screen: the summary on top, payments right below it. • A refreshed savings circle screen: your turn is always in view, each round fits in one card, and member names can be corrected later. • New intervals: Yearly and Custom for installments (every 3 months, every 10 days…), and Custom for savings circles (every 2 months…). • The installment plan now follows a natural order: first due date, interval, number of installments. • Debts say "Advance paid"; weekly plans are listed as "Installment 1, Installment 2…". • Dates and month names always follow the app's language. • "Delete All Data" also resets your settings to a fresh install. • Locking the rate on a back-dated record now asks for that day's rate, and a locked rate can be corrected later. All your records are kept exactly as they were. ### 1.1.2 — 2026-10-07 Some small, tiny bugs are fixed Display fixes The '−' button for the number of installments now responds to every tap. ### 1.1.1 — 2026-10-05 • New Support section in Settings: rate ValuVale, tell a friend, or send us feedback directly. • People with no records yet now show "No records yet" instead of "All settled". • Display fixes If ValuVale helps you, a review on the App Store means a lot to us :) ### 1.0 — 2026-10-04 No release notes. ## Apps similar to ValuVale | App | Rating | Price | Category | | --- | --- | --- | --- | | [Borç defteri ve alacak takip](https://appshunter.io/ios/app/borc-defteri-ve-alacak-takip/id6817077173) | — | Free | Finance | | [Dijital Gün](https://appshunter.io/ios/app/dijital-gun/id6789097768) | — | Free | Finance | | [RentMind: Rent Tracker](https://appshunter.io/ios/app/rentmind-rent-tracker/id6785103667) | — | Free | Finance | | [Hakediş: İş ve Alacak Takibi](https://appshunter.io/ios/app/hakedis-is-ve-alacak-takibi/id6766485035) | 5.0 (1) | Free | Finance | | [Live FX, Gold & Silver](https://appshunter.io/ios/app/live-fx-gold-and-silver/id6801125388) | — | Free | Finance | | [Altın Fiyatları: Canlı Takip](https://appshunter.io/ios/app/altn-fiyatlar-canl-takip/id6757244159) | — | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-24.*