The register your family always kept, now keeping itself. Write it, say it, or snap the bill. Every rupee lands as a slip. Udhaar is settled with the fewest payments, and the other side confirms.
The bahi-khaata your grandfather kept had a page for spending, a page for udhaar, and a line through it when the account was square. This is that book, with a camera.
Tap the amount, snap the bill, or say it out loud. The chai at the dhaba, the Wi-Fi bill, the villa for the trip, every line lands in a chapter, with the receipt if you took one.
Who owes whom, exactly, across every chapter. Priya owes you ₹1,150 for Goa; you owe Arjun ₹375 for the scooter. The book remembers so nobody has to ask.
One tap finds the fewest payments that clear the group. You pay in your UPI app; the other side confirms. Nothing is settled until the person who should have the money says so.
Photograph the bill and the amount, merchant and date are read for you. Five scans a month are free on every plan; buy more only if you want them.
5 free a monthHome, Goa trip, office lunches, freelance clients. Each chapter is its own book with its own people, so the flatmates never see your pharmacy bills.
A polite, pre-written nudge with the exact amount and your UPI id. You send it from your own WhatsApp; nobody else gets a notification.
The planner finds the fewest payments that clear a group, then asks the receiver to confirm each one. Confirm, part of it, not yet, or dispute, one tap each.
A shop's khaata: customers, their baaki, and paisa aaya when they pay. Reminders go out with the amount. Staff can add entries on the Dukaan plan.
Everything you write is yours. Export it, correct it, or delete your account from the app or this website, and it is gone, receipts included.
Type the amount, snap the receipt, or say “six-forty Swiggy, split with Arjun”. Pick who shared it. The split is exact to the paisa, equal, by shares, by percent, or whatever you say.
Every chapter folds into one number per person: owed, owes, or square. Open the book any time. Nothing hides in a monthly report.
Tap Settle up. Khaata plans the fewest payments. You pay in GPay, PhonePe or Paytm; the receiver confirms in theirs. Done means done.
The same book that runs your home runs the counter: customers instead of flatmates, baaki instead of udhaar, and paisa aaya instead of settle-up. Every regular has a page; every page has a reminder button.
Forty regulars on credit. Each one's baaki updates as you write; the month-end reminder goes out on WhatsApp with the amount and your UPI id.
Twelve tenants, rent plus electricity. One entry a month each, split by meter reading; see who is late at a glance, nudge without a phone call.
Fleet customers fill up on account. Record the litres and the amount at the nozzle; send a statement from the app when the owner asks.
Every account gets 5 receipt scans a month. Plans add more and take a cut off packs. Prices in rupees, taxes included.
Out of scans? Top up once. Purchased tokens never expire, and they are used after your free ones.
Yes. Add anyone to a chapter by name; they are a member without an account. You can record their payments yourself, “Priya paid ₹500 cash”, and send them a WhatsApp reminder with the balance. If they install Khaata later and join with your invite code, they claim their row and every past split is already theirs.
No. Khaata never reads your SMS, never connects to your bank or UPI account, and never sees a transaction. You pay in your own UPI app. Khaata records what you tell it and asks the receiver to confirm, which is the only honest thing a ledger can do.
A payment is a claim by the payer and a confirmation by the receiver. The receiver can confirm in full, confirm part of it, hold it (“not received yet”) or dispute it. If they don't respond it auto-confirms after 24 hours, announced, with dispute one tap away for 30 days. Nothing moves a balance silently.
Your entries, chapters and receipts live on Khaata's server, encrypted in transit and backed up, visible only to the members of each chapter. Export them any time. Delete your account from the app (You → Delete account) or from this website and everything is removed within 7 days, receipts included. We do not sell data and we do not show ads.
Reading a receipt photo or a voice note costs us real money per call, so that is the one thing we meter. Every account gets 5 free scans a month. Packs top it up and never expire; Pro and Dukaan bundle more and discount the packs. Typing an entry, splitting and settling are free, always.
khaata.net is the reading side. Log in with the phone number or email you use in the app to see your chapters, balances, settle-up plans, receipts and inbox, and to confirm payments. Writing entries happens in the app, where the camera and the microphone are.
We're testing on iOS through TestFlight and on Android through internal testing. Ask for an invite and we'll send one the same day.
Already in the beta? Log in to see your khaata on the web.