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New: budgets, bills, goals & zakat

당신이 빚진 것을 존중하세요.
함께.

당신이 빚진 것과 당신이 받을 것을 위한 다국어 추적기. 16개 언어 중 어떤 언어로도 우아하게 정산하세요. Solvory를 통해 실제 돈이 흐르지 않습니다 — 오직 신뢰만이 흐릅니다.

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74
Languages supported
Currencies supported
$0
Real money handled
100%
Your data, your rules
받는 혜택

명확성을 위해 설계되었습니다. 존엄성을 위해 조정되었습니다.

모든 부채 — 당신의 것과 다른 사람의 것 — 를 한곳에서 차분하게 추적하세요.

Track both directions

What you owe and what's owed to you, side-by-side. Sorted by what matters today — food, rent, then everything else.

Settle with grace

Propose a smaller settlement, accept partial payments, mark mutual agreements. Both sides confirm — quietly.

74 languages, RTL included

Arabic, Hebrew, Farsi and Urdu with proper right-to-left layout. French, Spanish, Mandarin, Hindi, Turkish, Japanese — and dozens more. Switch any time.

No real money

Solvory never holds, transfers, or routes funds. We coordinate; you handle the actual settlement how you always have.

Offline-first mobile

Add a debt on the subway. Solvory writes locally, syncs when you're back online. Conflicts resolved cleanly.

Bring a partner

Spouse, family, business co-owner — invite who you trust. They see what you let them see. Nothing more.

A full money manager

Accounts, budgets, recurring bills, savings goals, a Zakat calculator, and spending reports — alongside your debts, not in a separate app.

작동 방식

세 단계. 그게 전부입니다.

Add the debt

Who, how much, when. Fifteen seconds in our bottom sheet.

Track quietly

Reminders nudge gently — three days before, then on the day. You stay in control.

Settle in real life

Pay how you always do — bank, cash, gift. Both tap "done" in Solvory. Trail kept; ledger closed.

Solvory는 당신의 돈을 만지지 않습니다.

은행 연결 없음. 카드 정보 없음. 정산 수수료 없음. 우리는 신뢰할 수 있는 사람들 간의 공유 원장인 깨끗한 조정 레이어입니다.

Multilingual from day one

Available in 74 languages.

Including Arabic with proper right-to-left layout.

English العربية Français Español Türkçe Deutsch 简体中文 繁體中文 日本語 한국어 हिन्दी Português Português (PT) Русский Español (US) Bahasa Indonesia
Mobile app

Designed for the train, not the boardroom.

Glass cards, springy gestures, dark-first. Add a debt in fifteen seconds. Swipe to mark paid. Everything you need, nothing you don't.

Why Solvory

Built for the messy middle

Most "money apps" want to handle your transactions. Spreadsheets and notes apps don't talk to anyone. Solvory does the one thing in between: a shared ledger between trusted people.

Solvory What you get
Notes / Spreadsheets The default escape
Payment apps Venmo, Cash App, Splitwise Pay
Track who owes whom
Both sides see the same record
! One-sided, easy to mis-update
But only when payments flow
Multi-currency
Native, with FX rates
Manual conversion
! Often single-currency
Both sides approve changes
Bilateral contracts
! Only when payment confirms
Works without money flow
Track favours, IOUs, gifts
If you remember
Needs an actual transaction
No KYC, no bank link
Email + a name, that's it
Always required
74 languages
Including Arabic, Hindi, Chinese
! Whatever you write in
! 1–3 typically
Offline-first
Works without signal, syncs later
Network required
Fees on settlement
None — we don't touch money
1–3% typical
Common questions

Things people ask before signing up

Does Solvory hold my money?

No. Solvory is a coordination layer, not a payment processor. There's no Solvory account that holds funds, no card on file, no fees on settlement. When it's time to settle, you handle the actual transfer however you've always done it — bank, cash, an offsetting favour — and both sides confirm in the app.

Is it free?

Yes for personal use. Track an unlimited number of debts, in any currency, in 74 languages, plus the full money manager — budgets, bills, goals, and reports. Premium adds bigger ledgers, attachments, and exports.

How does the bilateral approval work?

Once you and another Solvory user link your ledgers, every change to a shared debt — adding it, recording a payment, forgiving the balance, settling for less, editing, deleting — becomes a contract that both sides approve. Until your partner approves, nothing changes on either ledger. This guarantees the records can never drift.

What if my counterpart isn't on Solvory?

It still works. Solo entries behave like a private notebook — you track everything you owe and are owed, share a polite invite link if you want them on board, and if they sign up later, the entries auto-link by email.

Is my debt history private?

Yes. Your records are visible to you and the partners you explicitly link with — no one else, ever. We don't sell debt records, don't show ads inside private history, don't rent your data to credit-scoring third parties. Export and delete on demand.

Which currencies and languages do you support?

74 languages — English, العربية, Français, Español, Türkçe, Deutsch, 中文, 日本語, 한국어, हिन्दी, Português, Русский, Bahasa Indonesia and dozens more, including full right-to-left support. Currencies come from the admin-managed list — every major one is in by default, and admins add new ones without a release.

Is it more than just a debt tracker?

Yes. Alongside debts, Solvory has a built-in money manager: accounts and net worth, budgets per category, recurring bills with due-date reminders, savings goals, a Zakat calculator, and spending reports — converted into whichever currency you want to view them in.

Does it work offline?

Yes. The mobile app is offline-first — every action queues locally and syncs the moment you're back online. No data is lost, no double-counting, no surprises when reconnecting.

Can I migrate from Splitwise / a spreadsheet?

Bulk import is on the roadmap. Today you can replicate an existing ledger by adding each open debt as a single entry — typically a few minutes for a year of records.

From the blog

Reading on debt clarity

Field notes on tracking money between people without making it weird. Practical, short, and free.

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