Please Note: Byaj Khata Book is a 100% free record-keeping and calculation tool. We DO NOT provide loans or any financial services.

Stop juggling paper notebooks (bahi khata) and complex spreadsheets! Byaj Khata Book is your complete digital ledger, designed for easy management of all credit, debit, and interest-based accounting (hisab-kitab). Whether you're managing complex loans with interest or simply tracking a simple credit/debit account (zero interest), this app automates your financial tracking with unmatched accuracy.

Key Features:-

✅ Powerful & Accurate Interest Calculation:- Forget manual math! Our app flawlessly calculates both Simple and Compound interest. Set your rate and let the app handle the rest. It's also perfect for zero-interest accounts, acting as a simple digital ledger.

⚙️ Complete Flexibility for Your Needs:- Every loan is different. That's why we offer total control over your interest terms:

▶︎ Flexible Periods:- Calculate interest Daily, Weekly, 15 Days (Fortnightly), Monthly, Quarterly, Half-Yearly, or Yearly.

▶︎ Custom Calculation Method:- Choose to calculate interest on a daily basis or only after the full period (e.g., monthly) is complete.

🔄 Automated & Manual Compounding:- Capitalize your interest to maximize returns.

▶︎ Manual Compounding:- Add all accrued interest to the principal with a single tap.

▶︎ Auto-Compounding:- Use our "set it and forget it" feature to automatically compound interest at your chosen interval.

📊 Smart Transaction Management:-

▶︎ Easily add principal amounts and subsequent credit transactions.

▶︎ Record payments with flexible options: deduct from "Principal Only" or use the smart "Interest + Principal" option to clear outstanding interest first.

📄 Professional PDF Reports:- Generate detailed PDF reports for any account in seconds. These reports include a full summary, transaction list, and interest calculations.

▶︎ Download them directly to your device for your personal records.

▶︎ Share them professionally with your clients or partners via WhatsApp, Email, or any other app.

🛡️ Secure Online & Offline Backup:- Never worry about losing your data again!

▶︎ Google Drive Backup:- Securely back up your entire app data to your personal Google Drive.

▶︎ Automatic Backup:- Schedule automatic daily, weekly, or monthly backups.

▶︎ Offline Backup:- Save a local backup file on your device for extra security.

🔔 Reminders, History & More:-

▶︎ Reminders:- Set reminders for payment due dates so you never miss one.

▶︎ Full History Log:- Get a complete, timestamped history of every change, transaction, and edit for full transparency.

▶︎ Penalty Feature:- Easily add a credit (fee) or debit (discount) to any account.

▶︎ Categories & Totals: Organize your accounts into categories and view a consolidated summary of totals for any category.

Who is Byaj Khata Book for ?

▶︎ Small Business Owners and Shopkeepers managing credit accounts (udhaar).
▶︎ Money Lenders and micro-finance professionals.
▶︎ Individuals tracking personal loans given to friends or family.
▶︎ Anyone who needs a reliable and accurate digital bahi khata for their hisab-kitab.

Download Byaj Khata Book today and take complete control of your lending and borrowing! Simplify your calculations and manage your money with confidence.