Income · Loans · EMIs · Credit Cards · Net Worth
Take control of your complete financial life
Track income, expenses, loans, EMIs, credit cards, assets, liabilities, budgets, balance sheet and cash flow in one simple dashboard.
No card required · Free forever plan · 2-minute setup
- Total Balance
- ₹4,82,300
- Monthly Income
- + ₹1,20,000
- Monthly Expense
- − ₹58,400
- Loan Outstanding
- ₹9,84,200
- Credit Card Due
- ₹12,650
- Monthly EMI
- ₹31,200
- Net Worth
- ₹18,40,900
- Upcoming Payments
- 3 due
Net worth
last 6 months
Everything in one ledger
One dashboard for every rupee, every EMI, every card
Income & expense tracking
Log every rupee in and out, categorised automatically, across as many accounts as you use.
Loans & EMI schedules
Full amortization tables for every loan — principal, interest and outstanding balance, month by month.
Credit card tracking
Watch utilisation, due dates and minimum-due across every card — without ever storing your CVV or PIN.
Group & family expenses
Split shared costs, track who owes whom, and settle up — for family budgets or trips with friends.
Budgets that warn you early
Set a monthly budget per category and get a nudge at 80% spent, before you're over.
Payment calendar
Every EMI, card due date and bill on one calendar, marked upcoming, paid or overdue.
Net worth & balance sheet
Assets minus liabilities, tracked over time, with a proper balance sheet and cash flow statement.
Reports & exports
Income, expense, loan and budget reports — exportable to PDF, CSV or Excel whenever you need them.
Assets & liabilities
Track cash, bank balances, investments, property, vehicles and every major liability for a complete net-worth view.
Recurring payments & reminders
Track salary, rent, subscriptions, insurance, EMIs and card due dates with upcoming and overdue reminders.
Loans & credit cards
Watch every loan and card the way a passbook shows a balance
Home Loan · Union Bank
₹9,84,200 outstanding
Principal vs interest paid, by year
Card overview
•••• •••• •••• 4821
Card holder
A. Sharma
Valid thru
08/29
See it, don't just track it
Numbers you can actually read at a glance
Income vs expense
Last 6 months
Where it goes
Expense by category, August
- Housing — 35%
- Food — 20%
- Transport — 15%
- EMI — 20%
- Other — 10%
Net worth trend
Last 12 months
Up 18.4% since January
Your money, visualised
A clearer view of your complete financial picture
See cash flow, debt, cards, budgets and net worth together instead of managing separate spreadsheets.
Monthly cash flow
₹61,600
Track inflow, outflow and closing cash balance every month.
Debt overview
₹9.22L
Monthly EMI
₹31,200
Next due
18 Aug
Net worth
₹18.4L
Assets
₹27.6L
Liabilities
₹9.2L
Balance sheet + cash flow + assets + liabilities in one place.
EMI Calculator
Know your EMI before you sign the loan
Instant, on this page, calculated in your browser. Nothing you enter here is stored.
Extra monthly payment (advanced)
Your EMI summary
Monthly EMI
₹0
With extra payment
Loan ends —
- Total Principal
- ₹0
- Total Interest
- ₹0
- Total Payment
- ₹0
- Processing Fee
- ₹0
- Interest Saved
- ₹0
- Time Saved
- 0
| # | Date | Opening | EMI | Principal | Interest | Closing |
|---|
Pricing
Start free. Upgrade only when you outgrow it.
Premium plans are billed yearly. ₹499/year for Basic and ₹999/year for Pro.
Free
Free Forever₹0
No card needed
Start Free- 2 loans
- 2 credit cards
- Income & expense tracking
- Group expenses
- Basic dashboard & reports
- EMI calculator
- Basic payment reminders
Premium Basic
₹499 / year
Billed yearly · 365 days access
Upgrade to Basic- Up to 5 loans, 5 credit cards
- Unlimited income & expenses
- Balance sheet & cash flow
- Net worth tracking
- EMI schedule & loan analytics
- Credit card analytics
- PDF / Excel / CSV export
Premium Pro
₹999 / year
Billed yearly · 365 days access
Upgrade to Pro- Unlimited loans & credit cards
- Multiple accounts
- Advanced balance sheet & cash flow
- Group / family tracking
- Debt & credit utilisation analysis
- Advanced reminders & export
- Priority support
FAQ
Questions, answered
Is Khata really free to use?
Yes. The Free plan covers income and expense tracking, up to 2 loans and 2 credit cards, group expenses and the EMI calculator — forever, with no card required.
How accurate is the EMI calculator?
It uses the standard reducing-balance EMI formula that banks and NBFCs use, so the figures match what you'll see on a loan offer. Your actual EMI may vary slightly depending on your lender's rounding and fee structure.
Do you store my card CVV or net-banking password?
Never. We only ever ask for the last 4 digits of a card, purely for identification. CVV, PIN, UPI PIN and net-banking passwords are never requested or stored.
Can I upgrade or downgrade my plan later?
Yes, anytime from your account settings. If you downgrade below your current usage — for example more than 2 loans on the Free plan — you'll be asked to archive or remove items first.