Which Khata App Is Best? How to Choose the Right One in 5 Minutes
Ask ten shopkeepers which khata app is best and you will get several answers, all of them right for their own shop. Here is how to find the right answer for yours.
Quick answer
There is no single best khata app for everyone. The best khata app is the one that works in your language and currency, keeps working without internet, backs up your records and fits your budget. For shops in India, Khatabook and OkCredit are the largest and most established. For Pakistan and Afghanistan, or for anyone who trades in more than one currency, MobiKhata is a strong free choice with Urdu, Pashto and Dari. If you also need stock and staff records, DigiKhata offers those tools with paid plans.
Key takeaways
- Decide on five things: country, language, currency, offline use and cost. The right app usually becomes obvious.
- The biggest app is not automatically the best one for you. Fit beats popularity.
- Test any app for a week with your ten most active customers before moving everything.
- MobiKhata is free on Android, iPhone and the web, and is built for Pakistan, Afghanistan and multi-currency shops.
The short answer, by situation
| Your situation | Best fit | Why |
|---|---|---|
| Shop in India, customers pay by UPI | OkCredit | UPI payment links in reminders, 11 Indian languages |
| Shop in India, interested in business loans | Khatabook | Very large user base, loans from Indian lenders |
| Shop in Pakistan, prefer Urdu | MobiKhata | Full Urdu interface, PKR, free |
| Shop in Afghanistan | MobiKhata | Dari and Pashto, AFN and USD ledgers, offline |
| Trade in two or more currencies | MobiKhata | A separate currency for each business |
| Shop in Pakistan, also selling mobile load and paying bills | Easy Khata | Mobile load and bill payments from its wallet, plus Urdu and Sindhi |
| Need stock, staff and bank books too | DigiKhata | Extra books for inventory and staff |
| A simple personal record of loans | Any free khata app | All of them handle a basic running balance |
Five questions that decide which khata is best
- Where do you trade? Apps built for India are designed around the rupee, UPI and Indian lenders. Apps built for Pakistan and Afghanistan focus on Urdu, Pashto, Dari and the currencies used there.
- Which language do you and your staff read best? A khata only works if everyone who records sales can read it quickly. This one question rules out more apps than any other.
- Which currencies do you use? If you sell in rupees but settle some accounts in dollars, you need separate ledgers for each currency, or your balances will not mean anything.
- How reliable is your internet? If the connection drops during the day, choose an app that saves entries on the phone and syncs later.
- What will it cost as you grow? Check which features need a paid plan: second phones, billing, more reminders. Our free khata app comparison lists them.
One more question applies to some shops: do you need stock and staff records in the same app? If yes, a broader business app may suit you; if you only need the khata, a focused app is faster to use every day.
How we compare khata apps
When we review khata apps we score them against the needs of a real shop counter, not a feature list. These are the weights we use:
| What we check | Weight | What good looks like |
|---|---|---|
| Language | 20% | The full app in the language the shop reads, including right-to-left scripts |
| Currency | 20% | The shop’s currency, and separate ledgers when more than one is used |
| Reliability | 20% | Works offline, syncs safely, survives a lost or changed phone |
| Sharing | 15% | Clear statements a customer can open on WhatsApp |
| Cost | 15% | Free core features and no surprises later |
| Extras | 10% | Reports, reminders, app lock, several businesses |
You can use the same weights yourself. Give each app you are considering a mark out of ten on each row, multiply by the weight, and the total usually confirms what your instinct already suggested.
The leading khata apps in 2026 at a glance
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.
| App | Built for | Languages | Price | Google Play |
|---|---|---|---|---|
| Khatabook | India | English and 12 more (Indian languages and Indonesian) | Free | 100M+ downloads, 4.4 |
| OkCredit | India | 11, mostly Indian languages | Free Basic, paid Premium | 10M+ downloads, 4.4 |
| DigiKhata | Pakistan | 10 on Google Play, including Urdu, Sindhi, Pashto and Persian | Free core, paid plans | 5M+ downloads, 4.1 |
| Easy Khata | Pakistan | English, Urdu and Sindhi | Free, per its listing | 5M+ downloads, 4.0 |
| MobiKhata | Pakistan, Afghanistan and beyond | 8, including Urdu, Pashto, Dari and Hindi | Free | 50K+ downloads, 4.3 |
For deeper comparisons, see Khatabook vs OkCredit vs MobiKhata, DigiKhata vs MobiKhata, and our guide to the best khata app in Pakistan. For Afghan shops, read the best khata app in Afghanistan.
When MobiKhata is the best choice, and when it isn’t
We make MobiKhata, so take this section with that in mind; we have tried to be fair.
MobiKhata is likely the best khata app for you if you work in Pakistan or Afghanistan, prefer Urdu, Pashto or Dari, trade in more than one currency, want the same ledger on Android, iPhone and a computer, or simply want a khata that is free with no ads.
Another app may suit you better if you trade in India and want customers to pay through UPI links, need GST invoices, or want stock and staff management in the same app. MobiKhata focuses on the khata itself and does not collect payments, lend money or manage inventory.
Five mistakes people make when choosing a khata app
- Choosing by download count. A hundred million downloads in another country tells you little about how well an app fits your language, currency and customers.
- Ignoring the person at the counter. The owner may read English well; the assistant who records most sales may not. Choose for the person who uses it most.
- Skipping the backup check. If the app does not back up to your own account, a lost phone is a lost khata. Sign in on day one.
- Mixing currencies. Recording rupee and dollar amounts in one ledger makes every balance wrong. Use a separate ledger for each currency.
- Moving everyone at once. Start with your most active customers, run both systems for a week, then move the rest.
Signs it is time to switch khata apps
If you already use a khata app, switching costs an afternoon, so it is only worth doing for a real reason. The usual ones are a feature you relied on moving into a paid plan, staff avoiding the app because of the language, ads interrupting you at the counter, or a move into a second currency your app cannot keep separate. If two or more of these sound familiar, run the one-week test below with an alternative.
Test before you commit: a one-week trial plan
- Day 1: install the app, sign in so your data is backed up, and add your ten most active customers with their current balances.
- Days 2 to 6: record every credit sale and payment for those ten customers in the app, alongside your usual book.
- Day 7: compare the app’s balances with your book, send one customer a statement on WhatsApp, and ask whoever helps at your counter whether they found it easy.
If the balances match and your staff are comfortable, move the rest of your customers across. Our mobile khata guide shows how, and the khata book format explains how paper columns map to the app.
Try MobiKhata for a week
Free on Android and iPhone. Start with your ten most active customers and see how it fits your shop.
On a computer? Use the same account in the MobiKhata web app.
Frequently asked questions
Which khata is best?
The best khata app is the one that works in your language and currency, works offline, backs up your records and fits your budget. Khatabook and OkCredit lead in India; MobiKhata is a strong free choice for Pakistan, Afghanistan and multi-currency shops.
Which khata app is best in Pakistan?
For Pakistan, look for Urdu, PKR, offline use and free WhatsApp statements. MobiKhata offers all four for free on Android, iPhone and the web. DigiKhata is another Pakistani option with stock and staff books and paid plans.
Which khata app is best in India?
Khatabook and OkCredit are the most established khata apps in India, with Indian-language support and UPI or loan features. OkCredit has a free Basic plan and a paid Premium plan.
Which is the best free khata app?
MobiKhata is free with no subscription, ads or in-app purchases as of October 2026. Several other khata apps are free to download but keep some features in paid plans.
Which khata book app is best for a small shop?
For a small shop, choose a simple app in your own language that works offline and lets you share statements on WhatsApp. Test it with your ten most active customers for a week before moving everything.
Related reading
- Best Khata App in Pakistan: Khatabook Alternatives
- Free Khata App: Which Khata Apps Are Really Free?
- Khatabook vs OkCredit vs MobiKhata
- Best Khata App in Afghanistan
- Hisab Kitab App: Best App for Daily Hisab Kitab
Find out if MobiKhata fits your shop
Download it free and run the one-week test with your top ten customers.
Free on Android and iPhone. Also on the web.