Qershnat brings your money, tasks, occasions, and bills into one smart experience.
Manage wallets, transactions, debts, tasks, occasions, budgets, subscriptions, secret links, and Ahd agreements in one place, with alerts, attachments, safe sharing, and on-device saving where available.
Use Qershnat on your phone for a faster experience and better alerts. The right download button appears for your device.
Real Qershnat services available from your app settings
This page shows the services currently available in Qershnat. Unavailable services are hidden from users.
Wallets and balances
Create wallets by currency or purpose, then track balances, income, and expenses without friction.
Wallet trust accounts
Separate entrusted balances inside a wallet, each with scoped transactions, reports, and participant access.
Transactions and transfers
Record income, expenses, and transfers with categories, notes, attachments, and previews.
Sharing and permissions
Share wallets, debts, tasks, documents, notebooks, and selected records with clear permissions and activity controls.
Attachments and previews
Attach images, PDFs, audio, video, and files to records, then preview or share them from the same context.
Debts and installments
Track what you owe and what is owed to you, with installments, payments, attachments, and sharing links.
Social gifts and courtesies
Record gifts and courtesies given or received at occasions, with people, reminders, attachments, and optional wallet links.
Money circles
Organize rotating savings circles as an organizer or member with turns, shares, payments, payouts, and reminders.
My Tasks and custom lists
Default or custom task lists with custom fields, reminders, attachments, and drag ordering.
My Occasions
Birthdays, memories, countdowns, greetings, and social reminders in one organized place.
Budgets and financial goals
Set spending limits, monitor usage, and build saving or payoff goals with a clear plan.
Subscriptions and bills
Track internet, utilities, rent, and subscriptions with a calendar and smart reminders.
My Documents
Keep personal documents, expiry reminders, attachments, folders, and secure sharing in one protected place.
My smart notebook
Save notes, links, files, images, and voice notes, then turn useful content into app records after review.
My Valuables
Track gold, silver, jewelry, certificates, purchases, attachments, and manual or indicative value changes.
Warranties
Save warranty records, device details, purchase dates, expiry reminders, attachments, and optional wallet links.
Currencies and gold
View currency and gold rates, converters, calculators, and safe wallet display helpers when enabled.
Smart category rules
Automatically categorize transactions based on keywords and repeated behavior for cleaner reports.
Qershnat AI chat — text, voice & image
A smart assistant that understands your language, answers about your account, suggests transactions, and shows a clear review before any save.
App lock
Protect the app with a passcode or biometrics so private data stays behind a user-controlled lock.
Private item locks
Lock selected wallets, debts, lists, occasions, and tools with their own protection while keeping data available after unlock.
Home screen widgets
Show safe wallet summaries and quick entry points on the phone home screen without exposing sensitive details.
Guide videos
Learn app features through organized videos that can be controlled and refreshed from the admin dashboard.
Import and export
Export user data and import reviewed files with clear templates, limits, and confirmation before applying changes.
My public profile (qrsh.link)
A compact profile at qrsh.link/your-username that brings together your links, services, products, work, contact form, share code, and contact card—like your own small website.
Qershnat Hush
Temporary secret messages with text, image, audio, or video through short links and view limits.
Guardian access
Prepare emergency access with guardians, review steps, vault items, documents, and controlled approval windows.
Wallets and balances
Create wallets by currency or purpose, then track balances, income, and expenses without friction.
- ✓ Multiple currencies
- ✓ Images and attachments
- ✓ Filters and reports inside each wallet
Wallet trust accounts
Separate entrusted balances inside a wallet, each with scoped transactions, reports, and participant access.
- ✓ Separate entrusted balances
- ✓ Transactions and reports per trust
- ✓ Scoped sharing for the beneficiary
Transactions and transfers
Record income, expenses, and transfers with categories, notes, attachments, and previews.
- ✓ Quick entry
- ✓ Automatic categorization
- ✓ Monthly reports
Attachments and previews
Attach images, PDFs, audio, video, and files to records, then preview or share them from the same context.
- ✓ Unified picker
- ✓ Inline previews
- ✓ Secure file links
Debts and installments
Track what you owe and what is owed to you, with installments, payments, attachments, and sharing links.
- ✓ Installment schedules
- ✓ Payment proofs
- ✓ Permission-based sharing
Money circles
Organize rotating savings circles as an organizer or member with turns, shares, payments, payouts, and reminders.
- ✓ Organizer or member mode
- ✓ Turns and share tracking
- ✓ Wallet-linked payments
My Tasks and custom lists
Default or custom task lists with custom fields, reminders, attachments, and drag ordering.
- ✓ Custom lists
- ✓ Financial fields linked to wallets
- ✓ Sharing and saving changes
My Occasions
Birthdays, memories, countdowns, greetings, and social reminders in one organized place.
- ✓ Age and zodiac info
- ✓ Greeting messages
- ✓ Photos and attachments
Budgets and financial goals
Set spending limits, monitor usage, and build saving or payoff goals with a clear plan.
- ✓ Category budgets
- ✓ Financial goals
- ✓ Limit alerts
Subscriptions and bills
Track internet, utilities, rent, and subscriptions with a calendar and smart reminders.
- ✓ Bills calendar
- ✓ Mark as paid
- ✓ Optional automatic transactions
My Documents
Keep personal documents, expiry reminders, attachments, folders, and secure sharing in one protected place.
- ✓ Expiry reminders
- ✓ Folders and attachments
- ✓ Secure document sharing
My smart notebook
Save notes, links, files, images, and voice notes, then turn useful content into app records after review.
- ✓ Text, files, links, and voice
- ✓ AI summaries when available
- ✓ Convert notes into records
My Valuables
Track gold, silver, jewelry, certificates, purchases, attachments, and manual or indicative value changes.
- ✓ Purchase and ownership details
- ✓ Value history
- ✓ Invoices and attachments
Warranties
Save warranty records, device details, purchase dates, expiry reminders, attachments, and optional wallet links.
- ✓ Expiry reminders
- ✓ Device and invoice details
- ✓ Optional purchase transaction
Currencies and gold
View currency and gold rates, converters, calculators, and safe wallet display helpers when enabled.
- ✓ Currency rates
- ✓ Gold and silver prices
- ✓ Converters and calculators
Smart category rules
Automatically categorize transactions based on keywords and repeated behavior for cleaner reports.
- ✓ Editable rules
- ✓ Smart suggestions
- ✓ Analyze uncategorized transactions
Qershnat AI chat — text, voice & image
A smart assistant that understands your language, answers about your account, suggests transactions, and shows a clear review before any save.
- ✓ Smart text chat
- ✓ Voice recording converted to a transaction
- ✓ Receipt photo → extracted data
- ✓ Always reviews before save or edit
App lock
Protect the app with a passcode or biometrics so private data stays behind a user-controlled lock.
- ✓ Passcode protection
- ✓ Biometric unlock
- ✓ Security settings stay local to the device
Private item locks
Lock selected wallets, debts, lists, occasions, and tools with their own protection while keeping data available after unlock.
- ✓ Lock individual records
- ✓ Separate protection per item
- ✓ Hidden controls when disabled
Home screen widgets
Show safe wallet summaries and quick entry points on the phone home screen without exposing sensitive details.
- ✓ Safe summaries
- ✓ Quick entry shortcuts
- ✓ Automatic refresh
Guide videos
Learn app features through organized videos that can be controlled and refreshed from the admin dashboard.
- ✓ Feature tutorials
- ✓ Localized video categories
- ✓ Admin-managed content
Import and export
Export user data and import reviewed files with clear templates, limits, and confirmation before applying changes.
- ✓ Excel, CSV, and PDF exports
- ✓ Reviewed imports
- ✓ Clear templates and limits
My public profile (qrsh.link)
A compact profile at qrsh.link/your-username that brings together your links, services, products, work, contact form, share code, and contact card—like your own small website.
- ✓ Links, blocks, services, products
- ✓ Draft mode and optional password protection
- ✓ Share code + contact card + click statistics
- ✓ Contact form with owner notifications
Qershnat Hush
Temporary secret messages with text, image, audio, or video through short links and view limits.
- ✓ Auto-expiry
- ✓ No content preview
- ✓ Link view stats
Guardian access
Prepare emergency access with guardians, review steps, vault items, documents, and controlled approval windows.
- ✓ Trusted guardians
- ✓ Review and notice periods
- ✓ Protected vault items
From input to financial clarity in a few steps
Qershnat does more than show numbers. It turns each transaction, task, bill, or occasion into useful context.
Enter data your way
Text, voice, image, attachment, or sharing link depending on the feature.
Permissions are checked
Users see only their data, and shared links follow the permissions you choose.
Calculate, classify, and alert
Budgets, goals, bills, tasks, occasions, and alerts work together.
Review and share when needed
PDF files, short links, WhatsApp, email, and phone alerts based on your settings.
Secure and private
Privacy and permissions
Your data is protected, public links do not expose internal details, and every request checks access permissions.
Works without internet
Changes in supported features are saved on your device and updated automatically when the connection returns.
Multi-channel alerts
Phone, WhatsApp, email, and in-app notifications based on user choices and available settings.
For businesses: advertise inside an active finance experience
A dedicated advertising system with campaign management, placements, targeting, advertiser wallet, reports, and review before publishing.
Quick questions before you start
A simple overview for users and advertisers before opening the app.
Do all services always appear? +
No. Only currently available services appear. Unavailable services are hidden from the website and app according to their settings.
Does the app work without internet? +
Supported features work without internet once their data is available on your device. AI features and public links need a connection.
Does the assistant execute actions directly? +
Sensitive actions like create, edit, or delete require review and confirmation before execution.
Can I share data with someone else? +
Yes, through permission-based links for wallets, debts, tasks, and services like Ahd.
Ready to make Qershnat your daily finance hub?
Start from web or mobile, from a simple wallet to budgets, goals, Ahd, bills, and occasions.