ValuVale - Debt & IOU Tracker

Gold, FX & savings circles

Only for iPhone

Free · Designed for iPhone. Not verified for macOS.

iPhone

Who owes you, what you owe — in gold, currencies and Turkish lira, on one screen. Savings for a better future and circles. Your data stays on your phone. And never ads. 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.

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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.

The developer, OGUZ HAN TURAN, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Collected

    The developer does not collect any data from this app.

    Privacy practices may vary, for example, based on the features you use or your age. Learn More

    The developer has not yet indicated which accessibility features this app supports. Learn More

    Seller
    OGUZ HAN TURAN
    Size
    5.4 MB
    Category
    Finance
    Compatibility
    Requires iOS 17.0 or later.
    • iPhone
      Requires iOS 17.0 or later.
    • Mac
      Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.
    • Apple Vision
      Requires visionOS 1.0 or later.
    Languages
    English and Turkish
    Age Rating
    4+
    Copyright
    © 2026 Oğuz Han Turan