Udhaar tracker · Updated 31 July 2026
Best udhaar tracker app for money lent to friends and family
Looking for an udhaar tracker app that is not a shop khata book? Klera keeps a private udhar ledger of every rupee you have lent and borrowed — friends, flatmates, family, colleagues. It works completely offline, needs no sign-up, and the other person never has to install anything.
Free · No sign-up · Works offline · UPI settle links
Who this is for
Most udhar apps are built for shopkeepers tracking customer credit. This one is built for the money that moves between people who know each other — where the awkwardness costs more than the amount.
- Friends who split dinners
- The ₹600 you covered when someone forgot their wallet — logged in seconds, cleared with a UPI link.
- Flatmates
- Rent, the electricity bill, the gas cylinder. One running balance instead of four separate arguments.
- Family
- The ₹2,000 a cousin borrowed "till Friday." Recorded quietly, without making it a thing.
- Office colleagues
- Cab fares, chai rounds, the lunch you keep paying for. Small amounts that add up fast.
- Tuition teachers & freelancers
- Who has paid this month and who has not, without a formal invoicing tool.
- Small shopkeepers
- A private udhar ledger per customer — no customer app, no account, no monthly fee.
How an udhaar tracker works
- Note it Person, amount, direction — lent or borrowed. Three taps, no forms.
- Watch the balance One screen answers the only two questions that matter: who owes you, and who you owe.
- Nudge, kindly Send a reminder phrased like a friend rather than a collection agency — on your timing, not an automated schedule.
- Settle Send a UPI settle link from the entry itself. They tap, they pay, it clears. Paid in cash instead? One tap marks it settled.
Why paper notebooks and WhatsApp fail
| Klera | Notebook | Split apps | ||
|---|---|---|---|---|
| Remembers every entry | Yes | If you have it on you | Buried in the scroll | Yes |
| Works with zero internet | Yes — every feature | Yes | No | No |
| Other person must install it | Never | — | — | Yes, everyone |
| Payment reminders | Gentle, you control them | No | Manual | Yes |
| Settle by UPI in one tap | Yes | No | No | Sometimes |
| Running balance per person | Yes | Manual arithmetic | No | Yes |
| Stays private | Encrypted on your phone | Yes | On chat servers | On the app's servers |
| Survives a lost phone/notebook | Encrypted backup | No | Chat backup | Yes |
Group-split apps solve a different problem well, but they require everyone to install the app and join a group. Most udhaar is one-to-one and informal — your chachaji is not signing up for that.
Why offline matters for a lending ledger
Who owes you money is unusually sensitive information. It maps your relationships, your generosity, and who in your circle is short this month. Nearly every udhar and khata app stores that on a server.
- No login — no email, no phone number, no OTP. Open the app and add an entry.
- No internet needed — every feature works in airplane mode, which you can verify in ten seconds.
- Private by construction — entries are AES-256 encrypted on your device. No server ever learns that Rahul owes you ₹1,200.
- Faster — nothing to sync, no loading spinners, no session timeouts.
- Yours permanently — if Klera disappeared tomorrow, the app and your ledger keep working.
More on the reasoning: why an offline tracker beats a cloud one.
Udhaar tracker FAQ
Which is the best udhaar tracker app?
It depends on whether your udhaar is personal or commercial. For shop-to-customer credit at scale, business khata apps like OkCredit and Bahi Khata are built for that. For personal lending between friends, family, flatmates and colleagues, Klera is a better fit: it is free, works fully offline, needs no account, and nobody else has to install anything.
Is there a free udhar app?
Yes. Klera is free to download and use, and the udhaar ledger is included — there is no premium tier gating it. The app is funded by ads rather than by selling data: no ad network is ever given your ledger, and the udhaar screens keep ads out of the way of the entry itself.
Can I use an udhaar tracker without internet?
With Klera, yes — every feature works in airplane mode, including adding entries, viewing balances and marking items settled. Most udhar and khata apps are cloud-based and need a connection plus an account to work at all.
Does Klera store my udhaar data online?
No. Entries live in an AES-256 encrypted database on your phone, with the key held in your device secure hardware. Klera runs no server that holds your ledger, so no readable record of who owes you what exists anywhere else — the one exception is the backup you may choose to place in your own Google Drive, which is encrypted with your passphrase and unreadable without it.
Can I track money I lent to friends and family?
That is exactly what it is built for. The ledger is one-sided by design: you record the entry, and the other person does not need the app, an account, or an invitation. It tracks both directions, so money you borrowed is as visible as money you lent.
Can I send payment reminders?
Yes, and you control when. You can also send a UPI settle link directly from an entry, so the reminder carries the payment method with it and you never have to compose the awkward message.
Can I export my udhaar records?
Yes, several ways. There is a per-person statement PDF with a running balance you can send to whoever owes you, CSV and PDF transaction export, a complete JSON data export, and an encrypted backup you can keep locally or in your own Google Drive — so your ledger is portable and yours to keep.
Is this a khata book for my shop?
It can work as a simple private udhar ledger per customer, but it is not built as a business khata book — there is no staff access, GST invoicing or customer-facing app. It is designed for personal and small-scale informal lending.
What is the difference between udhaar and udhar?
Nothing — they are two transliterations of the same Hindi/Urdu word for credit or a loan given informally. You will see both spellings across apps and articles; they mean the same thing.
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Start the ledger today.
Free, no sign-up, and future you will collect.