Qard, Loan & Debt Tracker

Qard is a private, offline tracker for interest-free personal loans (qard hasan), the money you lend to, or borrow from, family and friends. It helps you follow the Quranic guidance to write a loan down and record its terms (2:282), so nothing is forgotten or disputed.

Qard is a record-keeping app only. It is not a lender, it does not provide loans, credit or any financial service, and no money moves through it. You simply record loans you have already agreed with people you know.

LEND OR BORROW
- Record money you have lent (given) and money you owe (taken), in one place.
- Every loan is interest-free by design: the amount to repay always equals the amount lent, never more.
- Add the person, the amount, the date, and an optional agreed repayment date or plan.

A CLEAR REPAYMENT LEDGER
- Log each repayment and always see exactly what is still outstanding.
- Mark a loan settled when it is fully repaid.
- Forgive a loan (2:280) or write one off, and keep the record either way.

REMINDERS IN TIME
- Gentle reminders before a repayment is due, and if a loan becomes overdue.
- Reminders are for you only. Qard never contacts the other person.

HELPFUL EXTRAS
- Create a simple written qard hasan agreement as a PDF to sign together.
- Record witnesses and attach a note, photo or PDF of the agreement to a loan.
- Share a polite, ready-written reminder with a borrower, only when you choose to send it.
- Export your outstanding loans to help work out your zakat (they can be sent to our Muslim Budget app, or read as plain text).

PRIVATE BY DESIGN
- Fully offline. No account, no sign-in, no cloud.
- No analytics, no advertising, no tracking of any kind.
- Your loan data never leaves your device. The only network use is Google Play billing if you choose to buy the optional unlock.
- Optional app lock with your fingerprint or face.
- Back up and restore to a file you control.

Qard is free to use for a few active loans; a one-time purchase unlocks unlimited loans and the extra tools. There is no subscription.

Reimel Ltd. Contact and feedback: support@reimel.xyz

Recent changes:
Smoother scrolling: Home and History stay still while the bottom bar slides back, and the last record stays clear of it.

The bottom bar now hides only as you scroll down, comes back when you stop, and shows straight away when you scroll up.