Pai-pai ka hisaab.In one place.
Bank loans. Money lent to friends/family. Rent, SIPs, subscriptions. Right now it's scattered across Excel, notes and memory. Udhaari puts your entire financial life in one honest khata — and tells you what's coming before it hits.
4.5 Star rated · No spam · Your data stays yours
HDFC Home Loan
BANK · DUE 05 AUG
Rakesh (friend)
UDHAAR · GETTING BACK
Bike Loan EMI
BANK · DUE 12 AUG
House Rent
RECURRING · EVERY 01
₹65,150 leaving your account this month
/ 01 — The Problem
Your money lives in four broken systems.
Excel sheets
Forgotten after week two. No reminders. One typo ruins the math.
Memory
“Rakesh owed me 15k... or was it 12?” Awkward conversations guaranteed.
Notes app
A graveyard of numbers with no dates, no totals, no warnings.
Not tracking at all
EMIs bounce. Late fees stack. Your CIBIL score quietly bleeds.
One app. One ledger. Zero surprises.
/ 02 — What You Get
Built like a ledger.
Thinks like a CA.
The Unified Khata
Bank loans, udhaar to friends, rent, SIPs, subscriptions — every rupee you owe or are owed, on one page.
6-Month Forecast
Month-by-month view of the next 6 months — every EMI and expense going out, every receivable coming in. Know before salary day, not after.
Debt-to-Income Meter
One honest number that tells you if you're over-leveraged. Banks check it. Now you can too.
Loud Reminders
Due dates that refuse to be forgotten. Protect your CIBIL score from silent late fees.
Multi-Device Sync
Phone today, tablet tomorrow. Your khata follows you — encrypted in transit and at rest.
Private by Design
No bank login needed. No account scraping. You write the ledger; we just keep it safe.
/ 03 — Heavy Machinery
Tools that do the math you avoid.
New Loan Impact Checker
Thinking of another loan? See what it does to your monthly outflow and debt-to-income ratio — before you sign anything.
Balance Transfer Calculator
Find out if moving your loan to a lower rate actually saves money after fees — with the exact break-even month.
Part-Payment Calculator
Got a bonus? See exactly how much interest a lump-sum payment saves — and whether to cut your EMI or your tenure.
Interest Rate Change
RBI moved the repo rate? Recalculate your EMI and total interest instantly when your bank revises your rate.
Multi-Disbursement Calculator
Under-construction home loan? Track stage-wise disbursements, pre-EMIs and the real cost as your loan releases in parts.
Free on the web — no app needed
/ 04 — Straight Answers
No fine print.
What is Udhaari used for?+
Udhaari is a loan and EMI tracking app. Track bank loans, money lent to or borrowed from friends and family, recurring expenses, EMI schedules and payment reminders — all in one ledger.
Does Udhaari give loans?+
No. Udhaari never lends money. It's your personal ledger for tracking the loans and obligations you already have. No lending, no selling your data to lenders.
Is it really free?+
Yes. Free to download and use on both Google Play and the App Store.
Do I need to connect my bank account?+
No. Udhaari doesn't need your bank login or SMS access. You enter your loans once; the app handles schedules, math and reminders.
How safe is my financial data?+
Your data is encrypted in transit and at rest, following industry-standard financial data protection practices. Your khata is yours alone.
Can it help me pay off debt faster?+
Clear schedules, repayment insights, the debt-to-income meter and tools like the Balance Transfer Calculator help you spot expensive debt and make smarter repayment decisions.
Stop guessing.
Start your khata.
Two minutes to set up. Every EMI, udhaar and due date accounted for — forever.
