NEW Multi-currency loans, now with gold pegging

Track. Split.Hisab clear.

The expense & bill-splitting app built for how we actually spend. Split any bill, settle in a tap, budget smarter, and track every loan — even pegged to dollars or gold.

Free to start · No banner ads · Offline-first & private
HisabRakh home dashboard
Ayesha paid you
Rs 1,560 · Flatmates
Rent due in 1 day
Rs 65,000 · auto-reminder
Umrah Fund · 53%
Rs 1.84L of Rs 3.5L
240K+
Bills split & settled
Rs 1.8B
Tracked & settled
7currencies
Incl. gold & FX-pegged
4.9
Average store rating
Everything in one app

From splitting the bill to settling the hisab.

Four things HisabRakh does better than a notes app, a spreadsheet, and that group chat full of "who paid for what" — combined.

Groups & splitting

Split any bill. Settle without the awkward chase.

Flat rent, the Goa trip, office lunch — add a shared expense, split it your way, and HisabRakh tracks who owes whom down to the rupee.

  • Equal, exact, or share-based splitsHowever the bill actually breaks down
  • Live balances — aap lenge / aap dengeAlways know who owes you and who you owe
  • One-tap settle-up with a payment recordSmart settlement minimises the number of transfers
  • A chat thread on every shared expenseNo more "what was this for?" three weeks later
Group splitting screen
Hisab clear hai
Budgets & goals

Budgets that nudge. Khwaab that actually grow.

Set category budgets and watch the pulse rings fill in real time. Build savings goals — solo or shared with family — and stay on track.

  • Category budget rings with over-limit alertsKnow the moment Transport crosses the line
  • Shared & solo goals with deadlinesFrom an Umrah fund to the next iPhone
  • Smart insights on spending trends"At this pace you'll cross budget by the 6th"
  • Auto-categorised income & expensesSouth-Asian number formatting, built in
Budgets screen
53% to Umrah Fund
Loans & lending

Lend in dollars, gold or rupees — remember every paisa.

Track money you lent or borrowed with friends and family. Peg a loan to a stable currency so its value holds even as the rupee moves.

  • Peg to USD, GBP, EUR, SAR or gold (tola)"You lent $43.17" stays $43.17 — not rupee dust
  • Access controls: equal, self-pay or read-onlyDecide who can add entries to a shared ledger
  • Approval-based shared ledgersBoth sides confirm — no he-said-she-said
  • Full repayment history & remindersEvery part-payment, dated and balanced
Loan detail screen
$ Pegged · $43.17
Recurring & reminders

Never miss a bill, the rent, or payday again.

Add recurring expenses and income once. HisabRakh reminds you before each one lands — and quietly keeps working even when you're offline.

  • Recurring expenses & incomePTCL, rent, Netflix, salary — set once
  • Due-date reminders & custom alertsA gentle nudge before money moves
  • Salary & payday trackingSee your next deposit and plan around it
  • Offline-first — syncs when you're backYour data lives on your device, encrypted
Recurring bills screen
Salary in 1 day
Three taps to clear

How HisabRakh works

No finance degree, no spreadsheet gymnastics. Just three steps from "who paid?" to "hisab clear hai."

Add it

Log an expense, income or shared bill in seconds — keypad-fast, or scan a receipt and let HisabRakh fill in the details.

Split & track

Split with your group, set a category budget, or peg a loan to dollars or gold. HisabRakh does all the math, instantly.

Settle & relax

See exactly who owes whom, settle up in a single tap, and watch your balances and budgets stay perfectly clear.

A look inside

Designed to feel effortless.

Every screen, light or dark, is built to be glanced at and understood — your money, beautifully clear.

Home
Home
Your month at a glance
Groups
Groups
Who owes whom, settled
Settle up
Settle up
Fewest transfers, one tap
Expense chat
Expense chat
Context on every split
Goals
Goals
Save toward your khwaab
Loans
Loans
Pegged to gold & FX
Analytics
Analytics
Where it really goes
Simple pricing

Start free. Go Pro when you're ready.

The free plan tracks, splits and settles for life. HisabRakh Pro unlocks the power features — and removes ads for good.

Free forever

HisabRakh

Rs 0/ forever

Everything you need to track & split. Supported by optional rewarded ads — never banners or pop-ups.

  • Unlimited expenses & income
  • 1 group (up to 3 members), equal splits
  • Budgets, 2 goals & 3 loan accounts
  • 5 categories & basic insights
Get started free
Most popularHisabRakh Pro

Pro

Rs 2,499/ year

Just Rs 208/mo, billed yearly. Unlock the full hisab and go completely ad-free.

  • Unlimited groups, goals & loans
  • All 4 split modes & smart settlement
  • Multi-currency & gold-pegged loans
  • Advanced analytics, export & receipt scan
  • Completely ad-free & priority support
Start Pro
Compare plansFreePro
Expense categories5Unlimited
Goals2Unlimited
Loan accounts3Unlimited
Groups1 · max 3Unlimited
Split modesEqual onlyAll 4 modes
Smart settlement
Chat + system messagesView onlyFull
Analytics & export
Custom alerts1Unlimited
Ad-free

Not ready to subscribe? Watch a short ad to unlock Pro free for 7 days — no banner or interstitial ads, ever. Cancel anytime.

Is my financial data private?
Yes. HisabRakh is offline-first — your data lives encrypted on your device and only syncs to your private account. We never sell your data, and we don't run banner or interstitial ads. See our Privacy Policy for the full detail.
Which devices is HisabRakh available on?
HisabRakh is a mobile app for both iPhone (iOS) and Android, free to download from the App Store and Google Play. Your money lives securely on your phone — there's no separate web app to sign in to.
Do all my friends need the app to split a bill?
No. You can add anyone to a group and track what they owe even if they're not on HisabRakh yet. When they join, balances and the shared chat sync automatically.
How does settling up work?
When balances build up in a group, HisabRakh's smart settlement works out the fewest transfers needed to make everyone even — then you settle in a tap and it records the payment. You still pay each other however you like (cash, bank or wallet); HisabRakh just keeps the hisab straight.
Does HisabRakh hold or move my money?
No. HisabRakh is a record-keeping and budgeting tool — it tracks who paid and who owes, but it never processes payments or holds your funds. You settle up directly with each other; we just make sure the numbers are clear.
Does HisabRakh support multiple currencies?
Yes. Track everything in rupees with proper South-Asian formatting (lakh and crore), and record loans or shared balances in USD, GBP, EUR, SAR or gold (tola). See currency-pegging below for how stable-value loans work.
How does loan currency-pegging work?
When you lend or borrow, you can record the amount in USD, GBP, EUR, SAR or gold (tola) instead of rupees. HisabRakh remembers the pegged value, so a loan of $43.17 stays $43.17 regardless of how the exchange rate moves before it's repaid.
Will my data sync across devices?
Yes. Your data is created on your device first, then synced to your private, encrypted account. Sign in on a new phone and everything — expenses, groups, budgets, goals and loans — restores automatically.
Does HisabRakh work offline?
Completely. Add expenses, split bills and check balances with no connection — everything queues and syncs the moment you're back online, with a clear status chip so you always know where things stand.
What kind of ads will I see?
Only optional rewarded ads you choose to watch — for example, to unlock Pro features for 7 days. There are never banner or interstitial ads, and we never use your financial data to target advertising. HisabRakh Pro removes ads entirely.
What's the difference between Free and Pro?
Free covers unlimited tracking, one small group, budgets, two goals and three loans — plenty for personal use. Pro unlocks unlimited groups, goals and loans, all four split modes, multi-currency pegging, advanced analytics, receipt scanning, and removes every ad. It's Rs 299/month or Rs 2,499/year.
Can I cancel Pro anytime?
Absolutely. Pro is billed through the App Store or Google Play and renews automatically — cancel anytime from your store account and you'll keep Pro until the current period ends. Refunds are handled by Apple or Google under their policies.
How do I delete my account and data?
Any time, from inside the app (Settings → Account) or via the web form on our Request Account Deletion page. We permanently erase your personal data within 30 days, as described in our Privacy Policy.

Your hisab, finally clear.

Join thousands keeping their money — and their friendships — perfectly in balance. Free to start, on iPhone and Android.