One khata per person
Keep a separate ledger for each person, with their contact details and notes in one place.
Keep track of every loan, udhaar and repayment.
Hisabzo is a free money tracker, debt tracker and udhaar khata for the money you lend and borrow. See who owes whom, record repayments in one tap and always know what is remaining.
- Free personal account
- Sample-data preview
- Made for PKR
Your money, at a glanceA little clarity for your everyday finances
Add transactionOwed to youRs 45,000Across 4 people
You oweRs 12,500Across 2 people
Net balanceRs 32,500Looking good
Recent activity
AKAhmed KhanLoan given12 Oct 2026−15,000
SASara AliRepayment11 Oct 2026+5,000
UMUsman MalikLoan received10 Oct 2026+10,000
- Private and secure
- Built for Pakistani rupees
- Works on every device
- Made for everyday life
A free udhaar khata and loan tracker
Hisabzo is a free digital udhaar khata for people in Pakistan. Write down money you lend or borrow, record each repayment and see exactly who owes whom and how much is still remaining, in PKR. Use it as an IOU tracker for friends and family or as a simple money lending tracker. It replaces the notebook and the memory, and works on your phone or computer.
Everything you need in a lend and borrow tracker
From a quick loan to the final repayment, keep the whole story in one place.
Every loan and repayment recorded
Record loans, repayments and salary advances. Given or received, nothing gets lost.
Always know who owes you
See who owes whom and the remaining amount after every entry, all the way to Settled.
Statements worth sharing
Search and filter by category and period, then download a clean PDF statement.
Your ledger stays yours
Private accounts and secure sign-in. Your records are visible only to you.
A little app, always with you
Install Hisabzo on your phone or desktop. Your udhaar and hisaab kitaab are a tap away.
Simple from the start
Track who owes you money in three simple steps
No complicated setup. Just you, your people and the numbers.
- 1
Add your people
A friend, a colleague, a family member. Give everyone their own page.
- 2
Record the exchange
Add the amount, date and a little context. Whether you gave or received, it is all there.
- 3
Know where you stand
See an up-to-date balance, follow every repayment and enjoy the moment it says Settled.
I
ImranLoan and repayments
SettledLoan givenRemaining Rs 10,000−Rs 10,000
Repayment receivedRemaining Rs 6,000+Rs 4,000
Repayment receivedSettled+Rs 6,000
For real life and real relationships
Keep track of loans to friends, family and colleagues
A loan to a friend. An advance for a colleague. A little help from family. Money moves between people every day.
Hisabzo keeps the details so you do not have to keep them in your head. Less “how much was it?” More peace of mind.
Have a question? Let's talkGood questions. Clear answers.
Frequently asked questions about Hisabzo
Yes. Hisabzo works as an IOU tracker and money tracker: note every loan you give or receive, record each repayment and see the remaining amount per person until it is settled.
Add your friend as a person, record the loan as given, then add each repayment as received. Hisabzo keeps the full history and the balance, so there is no need to rely on memory or a notebook.
Yes. Create a free account and use it for your own records, or try the sample-data preview first with no sign-up. It works as a digital udhaar khata and loan tracker for money you lend and borrow.
Yes. Record the original loan, then add each repayment as it arrives. The remaining balance updates after each entry, so you can see what is still owed without adding it up yourself.
Hisabzo is a personal ledger for money you lend and borrow, with personal expense tracking and monthly budgets. It keeps a history of loans and repayments for each person and shows the remaining balance.
Yes. Every entry is either given or received, so you can see what you owe and what is owed to you, per person and overall.
No. The preview button opens a temporary account with sample data. To keep your own records, create a free account with your email.
Preview accounts are temporary. They and everything you enter are deleted after 24 hours, so do not enter real information there. A regular account you create with your email is kept until you ask us to delete it.
Yes. It works in any modern browser and can be installed like an app on Android and iPhone.
Your records are tied to your account and visible only when you are signed in. Passwords are stored in hashed form. Read the details in our Privacy Policy.
Yes. Filter your transactions by category and period and download them as a PDF. You can also export ledger entries as a CSV file.
Yes. Personal Expenses lets you record income and spending, organise entries by category and set monthly category budgets. You can also set up recurring entries for regular income or expenses.
Yes. Open a person's ledger and create an installment plan with the total amount, monthly payment and first due date. Record repayments as they happen to keep track of what has been paid and what is still due.
Use Remind on WhatsApp from a person's ledger to open a prepared reminder. You review the message and send it yourself in WhatsApp; Hisabzo does not send WhatsApp messages automatically.
Yes. Each person's ledger has its own currency, including Pakistani rupees. Hisabzo keeps amounts in the currency you choose and does not automatically convert between currencies.
You need an internet connection to load your ledger and save changes. Adding Hisabzo to your home screen does not make your financial records available without a connection.
Send us a message.
Questions or feedback? We will get back to you by email.
Start your free udhaar khata today
Create a free account for your own records, or look around first with sample data.
Create your free accountPrefer to look first? Preview data is deleted after 24 hours. We count anonymous visits only.