Free Khata App: Which Khata Apps Are Really Free in 2026?

What “free” can mean for a khata app

After years of watching small-business software, the pattern is clear: an app that costs nothing today has a reason for costing nothing, and it is worth knowing what that reason is. Khata apps generally fall into four groups.

1. Completely free. Every feature is available without paying, and there are no ads.
2. Free tier plus paid plan. The core khata is free, and extras such as multi-device access, billing or more reminders need a subscription.
3. Free with ads. The app is free, and advertising pays for it.
4. Free because of other services. The khata is free, and the company earns from payments, loans or other products it offers to the same shopkeepers.

None of these is wrong. What matters is that you know which one you are signing up for, because moving your customers’ records later takes effort.

Free khata apps compared (October 2026)

The table uses each app’s own website or store listing. Google Play figures checked on 26 October 2026.

Google Play shows a different average rating in each country. The ratings here are from its US pages; in Pakistan, the same pages show MobiKhata 4.7, DigiKhata 4.4, Easy Khata 4.4 and Khatabook 3.8.

Two honest observations. First, Khatabook and OkCredit are far larger than MobiKhata, with millions of users and long track records in India. Second, size is not the same as fit: an app built around the Indian rupee and UPI payments is less useful to a shop in Peshawar or Kandahar, however popular it is. Our Khatabook vs OkCredit vs MobiKhata comparison covers that in detail.

Hidden costs to look for

• Reminder limits. Some apps cap free SMS reminders and charge for more. WhatsApp sharing from your own phone avoids this entirely.
• One phone only. Using the same khata on a second phone or a computer is sometimes a paid feature. If two people in your shop record sales, check this first.
• Ads. An ad that appears while a customer waits at the counter costs you time, and some ads lead to unrelated loan or betting offers.
• Features that move. A feature that is free today can move into a paid plan later. Read the app’s update notes now and then.
• Getting your data out. Make sure you can export or share statements, so you are never locked in.

How to check whether a khata app is free in 30 seconds

1. On Google Play, look just under the app’s name. If it shows ads or sells anything, you will see “Contains ads” or “In-app purchases”.
2. On the App Store, scroll to the Information section. Any paid options are listed under “In-App Purchases”, with their prices.
3. Read the Data safety or App Privacy section. It tells you what data the app collects and whether it is shared.
4. Search the app’s website for “pricing” or “premium”. Freemium apps describe what the paid plan adds.

A khata app that is simply free

MobiKhata has no subscription, no ads and no in-app purchases on Android or iPhone.

On a computer? Use the same account in the MobiKhata web app.

What you get free in MobiKhata

• A party for every customer and supplier, with Cash In and Cash Out entries, notes and backdated entries.
• To Receive and To Pay totals, and a net balance for the whole business.
• PDF statements you can share on WhatsApp or SMS.
• Reports with Summary, Trends and By Party views over the dates you choose.
• Several businesses in one account, each with its own currency.
• Offline use, cloud sync to your account, and the same ledger in the web app.
• Eight app languages, including Urdu, Pashto, Dari and Hindi.
• An optional fingerprint or Face ID lock, a recycle bin, and on Android, scheduled reminders.

What MobiKhata does not do is just as important: it does not collect payments, lend money, manage stock or create GST invoices. If you need those, a freemium app with a paid business plan may be worth the cost, and our guide to which khata app is best helps you decide.

When paying for a khata app makes sense

Free is the right price for most small shops, but not for every business. A paid plan can be worth it when:

• You must issue tax invoices. In India, GST billing is a paid feature in some khata apps, and doing it by hand costs more time than the subscription.
• Several staff record sales on their own phones and the free plan limits you to one device.
• You need stock, staff and bank records in the same place as your khata, and are willing to pay for one app that does all of it.

If none of these applies, a free khata app that does the core job well is usually the better choice. You can always add a separate billing or stock tool later, without moving your customers’ records.

What a free khata app really saves you

The obvious saving is the subscription you do not pay. The bigger one is the money you no longer lose. Consider a shop with eighty credit customers. If one entry a week is forgotten in a paper register, and the average entry is Rs. 800, that is more than Rs. 40,000 a year of goods that are never paid for, not because customers are dishonest, but because nobody wrote it down. A khata app does not make shopkeepers more honest or customers more willing to pay. It makes the record complete, dated and easy to share, and that is what gets the money back.

Is a free khata app safe to use?

Price has little to do with safety. What matters is where your records are kept and what the company does with them. Before you trust any khata app with your customers’ names and balances, read its privacy policy and look for three things: your data is not sold, you can delete your account and data, and your records are backed up to your own account. MobiKhata’s privacy policy covers all three, and our article on security features for ledger apps goes further.

Related reading

• Which Khata App Is Best? How to Choose in 5 Minutes
• Khatabook vs OkCredit vs MobiKhata
• Best Khata App in Pakistan: Khatabook Alternatives
• DigiKhata vs MobiKhata

Free, with nothing hidden

Download MobiKhata and keep your khata without subscriptions, ads or in-app purchases.

Free on Android and iPhone. Also on the web.