Creditora: Smart Khata & Split

Creditora helps you organise money lent and borrowed, record repayments, estimate interest and EMIs, and split shared expenses. Keep a clear khata for personal records, friends, family or your small business.

KHATA AND REPAYMENT RECORDS
Track balances, principal and interest payments, transaction history and payment modes. Review calculation periods and generate PDF statements to share using your device sharing options.

INTEREST AND EMI CALCULATORS
Explore simple and compound interest, monthly or annual rates, and supported day-count conventions. Compare flat-rate and reducing-balance EMI estimates and view repayment schedules. Results depend on the amounts, rates and dates you enter.

SHARED EXPENSES
Create groups for trips, household bills and meals. Split expenses equally or use custom shares. See who owes whom, record settlements, and move a balance into your ledger when needed. Settlement actions record your entries; they do not transfer money.

OFFLINE RECORDS AND ACCOUNT SYNC
Use Guest mode to keep records on your device without signing in. Sign in with your phone number and a WhatsApp verification code to sync your account when online. Sign-in and cloud sync require internet access.

LANGUAGES AND APP LOCK
Choose English, Hindi, Hinglish, Punjabi, Bengali, Marathi, Gujarati or Telugu. Use light or dark themes and enable biometric app lock on supported devices.

Creditora is a record-keeping and calculation tool. It does not provide loans, approve credit, process payments or give financial advice.

Support: [email protected]
Privacy policy: https://apps.compilecraft.in/creditora/privacy