Expense KhataUdhar khata · Borrow & lend tracker
Keep your udhar khata clear: who owes what, and since when
Lending to friends and family is easy. Remembering the details is not. Expense Khata keeps every borrow, lend and repayment in one private record, person by person.
- Part-repayments
- Due-date reminders
- Private to your phone
What you can record
Four actions cover almost every udhar
Lend
Money you gave someone. It shows under “You will receive” for that person.
Collect
Money that came back, in full or in parts. Progress is shown so you can see how much is still due.
Borrow
Money you took from someone, shown under “You owe” with the date and the note you added.
Repay
Money you paid back, again in full or in parts, so the balance stays honest.
History per person
Open any person to see every entry with its date, amount and note. No scrolling through a chat to reconstruct it.
Kept apart from spending
Borrowing and lending are tracked separately from everyday expenses, so a loan to a friend does not look like money you spent.
Person by person
See every balance at a glance
The Debt Management screen shows the total you owe and the total owed to you, then lists each person with what was lent, what came back and what remains.
- Filter to active, cleared, borrowed or lent.
- Add a due date and get a reminder notification on your own phone.
- Open a person to see their full history of entries.
Good record-keeping
Five details worth writing down
- Who the money went to or came from.
- How much and in what form (UPI, bank transfer or cash).
- When it happened and when it should come back.
- Why, in a short note, so nobody has to remember later.
- Each repayment as its own entry, not by editing the original.
More on this in our guide to keeping an udhar khata without awkwardness.
Questions
Good to know
Is this a loan app?
No. Expense Khata does not lend money, charge interest, check credit or contact anyone. It is only a private notebook for money you have given or taken between people you know.
Does it send reminders to the other person?
No. Reminders are notifications on your own phone. The app never messages the person you lent to or borrowed from.
Can I record a part-payment?
Yes. Record each repayment as its own entry. The person’s balance and progress update, and the original entry stays in the history.
Is the borrow and lend feature free?
Yes, it is part of the free app.
Start with today’s spending.
Free on Google Play. No sign-up, and your records stay on your phone.
Android 7.0 or newer. Free with ads; Premium is an optional one-time purchase.