CredKhata

CredKhata is the smarter way to manage your personal finances, track loans with contacts, and stay on top of your money — all in one beautifully designed app. Whether you're a freelancer collecting payments, a small business owner running a customer ledger, or simply someone who lends money to friends and family, CredKhata gives you complete clarity over every rupee. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 📒 PERSONAL LEDGER ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ • WhatsApp-style chat ledger for every contact • Record "Given" and "Received" with a single tap • See exactly who owes you and who you owe — in real time • Add bill photos, notes, and due dates to each transaction • Edit or delete entries with biometric/PIN security • Mutual ledger sharing — when both sides connect on CredKhata, you each see the other's own records for that relationship ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 💰 INCOME & EXPENSES ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ • Log daily income and expenses by category • Track recurring commitments — rent, EMI, SIP, subscriptions, credit card bills • Add income sources and know exactly what's coming in each month • Finance calendar with a day-by-day spending heatmap • Smart reminders so you never miss a due date ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 📊 REPORTS & INSIGHTS ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ • Monthly income vs expense summary with category breakdown • Net balance across all contacts — see your total dues at a glance • Cash flow forecast based on your recurring commitments • Lending profiles showing your top borrowers ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🔒 PRIVATE & SECURE BY DESIGN ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ • App Lock with PIN and biometric (fingerprint/face) protection • Privacy Mode — hide all amounts with one tap, ideal for public places • Trusted device management — skip OTP on your recognised devices • All data encrypted in transit and at rest ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 📱 WORKS OFFLINE, SYNCS SEAMLESSLY ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ • Fully offline-first — record transactions even without internet • Automatic background sync when you reconnect • Instant push notifications when a contact records a transaction with you ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ⚡ MORE POWER FEATURES ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ • Import contacts and transactions from OkCredit, KhataBook & Vyapar (CSV) • Export your full ledger as CSV for accounting or tax purposes • Multi-language support: English, हिन्दी, Hinglish • Search across all customers, amounts, and transaction notes instantly • Set payment reminders — never chase a due date again ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ CredKhata replaces scattered WhatsApp messages, hand-written notebooks, and spreadsheets with a single, secure, always-up-to-date source of truth for your personal finances. Download free. No ads. No subscription required to get started. For support or feedback: [email protected]