100% Free Personal Mode

Simple, Stress-Free Personal Money Management

Say goodbye to forgotten cash spends and messy diary entries. Record your daily household expenses, manage debts with friends, track monthly salary savings, and get crystal-clear insights — all in one cloud-synced app.

No credit card required  •  100% Free Forever  •  End-to-end encrypted

Why Switch from Notebooks & Excel to Smart Bahi Khata?

Traditional methods cost you time and money. Here is why thousands of Indians trust Personal Khata.

Old Paper Diaried Way
  • Notebooks get lost, torn, or misplaced
  • Forgetting where cash was spent at end of month
  • Awkward follow-ups when lending money to friends
  • No automated monthly expense charts or analytics
Smart Bahi Khata Personal Mode
  • 100% Cloud backup — never lose a single entry
  • Log spends in 5 seconds with quick smart tags
  • Friendly WhatsApp payment reminders for friends
  • Instant PDF & Excel statement exports

Everything You Need for Personal Finance

Powerful tools designed with simplicity in mind.

Daily Income & Expense Log

Record grocery spends, fuel, electricity, dining out, and salary credits with date, amount, and receipt attachments.

Give & Take (Udhaar / Jama)

Keep track of money lent to friends, relatives, or neighbors. Know who owes you and whom you owe at all times.

Visual Expense Analytics

See graphical category breakdowns of where your monthly budget goes so you can save more and cut unnecessary expenses.

Bill & EMI Due Reminders

Never miss a credit card bill, electricity payment, or SIP installment. Set customized reminders with notifications.

Free PDF Statement Download

Download clean, professional monthly balance sheets and transaction statements in PDF format with a single click.

App Lock & Biometric Privacy

Protect your private financial data from prying eyes with fingerprint scan, Face ID, and secure 4-digit PIN lock.

Personal Khata FAQs

Is the Personal Khata mode really 100% free?
Yes! The Personal Khata module in Smart Bahi Khata is 100% free forever for all individual users. You can add unlimited expenses, track debts, and use cloud backup without paying anything.
Can I access my personal accounts on computer as well as mobile?
Yes. You can log into your personal ledger on Android, iPhone, and your computer browser via web.smartbahikhata.com. All records sync in real-time.
What happens to my data if I change or lose my phone?
Because all entries are securely backed up to the cloud, you simply download the Smart Bahi Khata app on your new phone, log in with your registered mobile number, and all your records will instantly restore.

Start Managing Your Personal Money Today

Join over 100,000+ users across India who trust Smart Bahi Khata for zero accounting stress.