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The Karachay-Balkar language or Karachay-Balkar Turkish is a Turkic language spoken by the Karachays and Balkars. It is divided into two dialects:

Karachay-Baksan-Chegem, which pronounces two phonemes as /tʃ/ and /dʒ/,

and Balkar, which pronounces the corresponding phonemes as /ts/ and /z/.

The modern Karachay-Balkar written language is based on the Karachay-Baksan-Chegem dialect. The language is closely related to Kumyk.

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