ZMA HISAB - Digital Khata

ZMA HISAB is a simple, fast digital khata (ledger) for anyone who lends, borrows or spends. Run a shop or a small business, or just keep track of money with friends and family: see who owes whom, record every payment, and always know your balance — even without internet. WORKS OFFLINE, ALWAYS • Add people and entries with no internet — everything is saved on your phone • Your data syncs safely to your account when you're back online • Automatic cloud backup, restore on any phone by simply logging in A KHATA FOR EVERY PERSON • One clean ledger for each customer, friend or relative: what you gave, what you got, running balance • "You'll get / You'll give" totals for everyone at a glance • Search people and entries instantly • Full history is always preserved — edits never erase the original entry KEEP ONE KHATA TOGETHER • Share a khata with another ZMA HISAB user: a supplier, partner, friend or family member • Whatever either of you records, the other sees within seconds • Two ways to keep it: a running account between you, or a shared pot split equally (perfect for a shared flat, a trip, or joint household spending) • Invite by email or by sharing a link • Get notified when the other person adds an entry EXPENSES • Record what you spend, for the business or at home: rent, bills, petrol, mobile load, groceries • Sort spending into your own categories • See this month's total at a glance FAST DAILY ENTRIES • Built-in calculator keypad: type 1500+750 and save the result directly • Backdate entries to the real date • Add a note to every entry (items, quantities, payment method) PDF STATEMENTS & REMINDERS • Export anyone's statement as a clean PDF • Share statements or payment reminders on WhatsApp or SMS in one tap • Statement periods with opening and closing balance — like a bank statement • Set a due date and get a reminder on the day payment is due BUSINESS AND PERSONAL, KEPT APART • Keep separate books — one per business, one for personal hisab — and switch in one tap HANDY TOOLS INCLUDED • Calculator with history, profit margin, loan/EMI, unit converter, bill split, GST/tax helper, currency rates, and quick notes PRIVATE & SECURE • PIN and fingerprint app lock • Your ledger is yours: no ads, no selling of data • Delete your account and data any time from inside the app IN YOUR LANGUAGE • Full Urdu support — switch language any time in Settings ZMA HISAB is built for the way money actually moves in Pakistan and South Asia: udhaar today, payment on chand raat, and a clear hisab in between — whether it's your shop's customers or a loan to a friend. Questions or feedback? [email protected] Privacy policy: https://api.zmahisab.com/privacy/