Jhinuk: Family Hisab & Budget

Jhinuk keeps a family's money in one place — income, expenses, budget, savings, loans and dues — in Bengali, and it works offline.

Where did this month's money go? How much is left? Who still owes what? Jhinuk answers those questions from what you write down, without asking you to connect a bank account.

WHAT YOU CAN DO

• Income
Record salary, business, rent or any other source. Set a recurring income once and it repeats every month on its own.

• Expenses
A quick one-line entry for everyday spending, or an itemised one for the bazaar — what you bought, the rate, the quantity. Everything is sorted by category, so at month end you can see where the money actually went.

• Budget
Set a limit per category at the start of the month. The app warns you while the month is still running, not after it ends.

• Wallets and accounts
Cash, bank, mobile financial services — keep every place you hold money separate. Move money between them and both sides stay balanced.

• Dues and receivables
Track what you owe the local shop and what others owe you. Payments are recorded against the due, so the remaining balance is always current.

• Savings goals and emergency fund
See what you are saving for and how far along you are, and how much of a cushion you have built for a hard month.

• Loans
Loans taken or given, instalment dates, and how much is still outstanding.

• Assets and net worth
Land, gold, savings certificates and other holdings, with liabilities deducted, so you can see where you really stand.

• Shopping list
Write down what you need before you go out; mark it bought and it becomes an expense.

• Reports
Income and expense summaries by month or date range, a category breakdown, and the full transaction history.

• Zakat estimate
An estimate of nisab and zakat payable based on the cash and assets you have recorded. We are still improving this part, so for now only the headline figure is shown.

WHY JHINUK

Fully in Bengali. If the words are hard, the accounts do not get kept — so every label is written the way a household in Bangladesh actually speaks.

Works offline. Record an expense standing in the market with no signal. It syncs by itself the next time you are online.

More than one device. Sign in with the same account and your records follow you when you change phones.

PLEASE NOTE

Jhinuk is a record-keeping app. It is not a bank or a financial institution — it does not lend money, does not process payments or transfers, does not connect to any bank account or card, and does not give investment advice. It organises and shows what you enter. The zakat figure is a helper calculation based on commonly used rules, not a religious ruling; please consult a scholar to be certain.

You can send us feedback or report a problem from inside the app. Jhinuk grows on what you tell us.