Why udhaar is the messiest part of money
Expenses are easy — the money is gone, you write it down, done. Udhaar is different: the money is not gone, it is *somewhere*, with a person, and it will come back — or go out — at a time you do not know yet. A ₹500 chai udhaar to a friend and a ₹15,000 rent advance to a flatmate live in your head as the same vague anxiety.
Most people solve this with memory (fails), a notes app (never adds up), or a paper khata (never with you). Trackly's udhaar ledger is built for exactly this: a dedicated borrow/lend book inside your expense tracker, so money you lent stops disappearing from your mental accounts.
How a udhaar entry works — about five seconds
Type it like you'd say it
Tap +, type "Rohit ko 500 udhaar diye" — Trackly parses the person, direction (you lent), amount and date, and saves it to the ledger. The Money view updates instantly: Rohit's balance shows ₹500 he owes you. When he pays back, mark it settled — the history stays, the balance clears.
Or just tell the AI — English ya Hinglish
The built-in AI assistant takes plain sentences: "Rahim se 300 udhaar liye" (you borrowed), "Sneha ne 1200 wapas kar diye" (settle a lend). It also answers from the ledger — "kisko paise dene hain?" lists everyone you owe, with amounts. Hinglish in, Hinglish out; English in, English out.
| You type or say | Trackly does | Time |
|---|---|---|
| "Rohit ko 500 udhaar diye" | Ledger: Rohit owes you ₹500 | ~4 sec |
| "Rahim se 300 liye" | Ledger: you owe Rahim ₹300 | ~4 sec |
| "kisko paise dene hain?" | Answers from real ledger data | ~3 sec |
| "Sneha ne 1200 wapas kiye" | Lend settled, history kept | ~4 sec |
Udhaar + expenses in one place — the real unlock
A standalone khata app knows what your friends owe you, but not what you spent today. Trackly keeps both on the same data: your monthly money view shows expenses, lends and borrows together, so "salary khatam kahan hui?" has a complete answer — including the ₹2,000 sitting in three friends' pockets.
- Per-person ledger card: total balance, entries, due dates, settle history
- Money view mixes expenses + udhaar so nothing is double-counted
- Trip mode isolates a trip's shared spends from your daily ledger
Group khata: split the bill, not the friendship
The ledger extends to groups: add a ₹6,000 Goa hotel paid by one person, split it equally four ways, and everyone's balance updates live — including the payer's reduced share. Settle-up suggestions show the minimum transfers to clear the group ("A pays B ₹820, C pays B ₹410 — sab clear"). No end-of-trip spreadsheet.
Offline, private, and yours
The udhaar ledger is offline-first like everything else in Trackly: entries made in a basement classroom or a highway dhaba sync when you are back online. Nothing is read from your SMS or contacts automatically — you type the person once, Trackly remembers them in *your* ledger only. Export the whole khata to CSV/JSON anytime; delete everything anytime.
How to start your khata in 30 seconds
A free account (email or Google) syncs the khata across devices. The ledger itself has no usage limits on the free tier.
- 1.Open trackly.today in Safari (iPhone) or Chrome (Android) — no app store needed.
- 2.Tap Share → Add to Home Screen (iPhone) or Install (Android).
- 3.Type "[friend] ko [amount] udhaar diye" in Quick Add. Your ledger has begun.
Trackly vs the common khata alternatives
Going deeper on shared money? Read How to Split Expenses with Roommates and the Goa trip edition.
| Trackly | Paper khata | Digital khata apps | |
|---|---|---|---|
| Always with you | Yes — installs to phone | No | Yes |
| Also tracks expenses | Yes, same app | No | Sometimes |
| Group splits + settle-up | Yes | No | Usually paid |
| Hinglish AI entry | Yes | — | No |
| Cost | Free core | Free | Free tier + ads |