All your money — in one place you can actually trust.
Not an expense tracker — an operating system for your money: accounts and currencies, debts, assets, goals. And the numbers can be trusted: the balance here can’t be broken by accident.
Uzcard and Humo bots only show their own cards; the payment services on top add analytics on those same cards. Your cash, dollars, debts, investments and the value of what you own stay scattered. Manzar brings it all together in one place.
The full picture of your money
Features that actually work today — not promises.
Transactions
Income, expenses, transfers, currency exchange and adjustments — in one double-entry ledger. Exact amounts, no rounding loss.
Accounts & currencies
As many accounts as you need in seven currencies: UZS, USD, EUR, RUB, KZT, CNY, GBP. Honest conversion and FX dynamics on your savings.
Debts
Who owes whom, due dates, partial repayments and write-offs — tied to real people. Never lose the thread.
Budgets
Category limits with progress per period and an essential vs non-essential split.
Savings goals
A dedicated account per dream: a car, an apartment, a trip. Progress, deadline, completion.
Assets
Phone, car, property — with a revaluation history. Estimated value never mixes with real money.
Analytics
Net worth over time, trends, FX P/L and burn rate.
Numbers you can trust
When you answer for the family’s money, “roughly” isn’t good enough. In Manzar the balance can’t be accidentally broken — and every figure can be explained.
Double-entry ledger
Every movement of money is an immutable event, just like a real accounting ledger.
The balance is computed
Never stored as a breakable number. You can see where every figure comes from — a full audit trail.
Reconcile with reality
Forgot to log a purchase? Reconciliation closes the gap with an adjustment, never by rewriting history.
Private by default
Database-level data isolation (RLS), login via email or Telegram, passwords checked against known breaches.
One system, two doors: the browser and Telegram
Log a transaction in seconds, right in chat. See the full picture in the browser and mini-app.
Be among the first
We’re opening access gradually. Leave your email — we’ll write when it’s your turn. The core stays free.