DigitalKhata - Ledger Credit

About DigitalKhata - Ledger Credit

DigitalKhata is a simple, fast credit ledger (khata book) to track money you give to and receive from friends, family, and customers — all in one place.

Stop juggling paper diaries and messy notes. DigitalKhata keeps every "udhaar" (credit/debit) clear, with running balances you can trust and optional interest on the money you lend.

WHY DIGITALKHATA?

• Clear running balances — instantly see who owes you and whom you owe.
• Two-way ledger — record both Money Given and Money Received for every friend.
• Built-in interest — charge optional simple, reducing-balance interest per friend (monthly or yearly), calculated automatically.
• Multiple khata books — keep separate ledgers for different shops, properties, or groups, and switch between them anytime.
• Organize with categories — tag entries with categories and sub-categories.

KEY FEATURES

★ Friend ledgers
Add friends manually or import directly from your phone contacts. Each friend gets their own ledger with Money Given and Money Received tabs.

★ Automatic interest calculation
Set a per-friend interest rate (monthly or yearly). Interest accrues only on the outstanding principal using a fair reducing-balance method — payments reduce the principal first, so your friend is never overcharged.

★ Instant, accurate totals
A summary card shows your total receivable vs. payable at a glance. Every friend shows principal, accrued interest, and total due.

★ Works offline (local-first)
Your data is saved on your device first, so the app is always fast and works without internet. Changes sync securely in the background once you're back online — nothing is lost.

★ Secure Google sign-in
Sign in with your Google account. Your ledger is backed up to the cloud and available across reinstalls.

★ Multiple khata books
Manage separate books for home, shop, or any group, and switch between them in one tap.

★ Search & quick add
Find any friend instantly and add new dated entries in seconds.

PERFECT FOR

• Shopkeepers and small businesses tracking customer credit (udhaar khata)
• Lending money to friends and family with or without interest
• Splitting and tracking shared expenses
• Anyone who wants a clean, reliable personal finance ledger

YOUR DATA, YOUR CONTROL

DigitalKhata is private by design. You can request account deletion at any time, and all your data is permanently removed after the retention window.

Download DigitalKhata today and turn your credit book digital — simple, accurate, and always with you.