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, foreign-currency savings, 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. A total per currency, never converted into one figure; the exchange rate is yours, the central bank rate is a hint.
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 trends, monthly income and expenses, and spending breakdown by category.
A transaction takes seconds to record
Four ways in — whichever is at hand. The bot reads what you sent and shows a draft; if nothing is missing, it posts right there in the chat.
Type «taxi 25000 in cash» or «lunch 12$ by card» to the bot — the currency and the payment method tell it which account to use.
Numbers you can trust
When you’re the one answering for the 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.
Before you start
What people ask most. Didn’t find your answer — write to hello@manzar.uz.
Do I need to connect a bank card?
No. Manzar does not connect to banks and never asks for card details. You record transactions yourself — by text, by voice, with a receipt photo, or by forwarding a notification from the Humo or Uzcard bot.
Does it count cash and dollars too?
Yes. Cash is an account just like a card. There are seven currencies: sum, dollar, euro, ruble, tenge, yuan and pound. Totals are kept per currency — we never add sums to dollars.
Can I keep track of debts?
Yes: who owes whom, by when, and how much has come back. Lend the same person more and no second debt appears — the existing one grows.
Can I use it without Telegram?
Yes. There is a web version at app.manzar.uz — sign up with email or Google. You can connect the bot later in your profile.
Can I export my data?
Yes. Transactions export as a CSV table that opens in Excel. In the web version it is on the transactions page; in the mini-app the bot sends the file straight to your chat.
Can I bring data over from my bank or another app?
Yes, in the web version. Upload a CSV or XLSX file — a bank statement or an export from another app. The date and amount columns are found automatically, you see what was read before anything is saved, and rows that look like ones already recorded are skipped. Income and expenses come across; the whole import can be undone in one tap.
Can I delete my data?
Yes. In your profile you can wipe all records or delete the account entirely — permanently.
Start today
Signing up takes a minute. Use Google, Telegram or email — whichever suits you.