Personal finances

Track spending, lending, budgets and goals

3 min read Updated Sep 20, 2026
Overview

Getting started

KhataIN keeps track of your money: what comes in, what goes out, what you've lent and borrowed, and what you're saving for. Four steps get you going.

Verify your email
Keeps your account recoverable.
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Add your accounts
Your bank, eSewa, Khalti and cash. Enter each one's balance today as its starting balance.
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Record your first transaction
Use + New, or type it into Quick add: “tea 50 cash”.
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Set a monthly budget
Pick a category and a limit; KhataIN shows how much is left.
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Overview

Transactions

Every rupee in or out is a transaction: money spent, money received, or money moved between two of your accounts. Moving money between your own accounts is not spending, so it never counts as an expense.

Quick add understands short lines like “lunch 450 esewa” or “salary 50000 nabil”, in English, Nepali or romanized Nepali. It shows what it understood before anything is saved.

Made a mistake? Open the transaction and revoke it. It stays in your history, marked revoked, and stops counting.

Transactions
Everything you've recorded, with filters and totals.
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Ledger activity
How each entry was recorded, for when you want the detail. Transactions → View.
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Overview

Accounts

An account is anywhere you keep money: a bank account, a wallet like eSewa or Khalti, or cash. Each has its own balance, history and statements.

Accounts
Add banks and wallets, and see each balance.
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Account reconciliation Personal Pro
Compare your KhataIN balance with your bank statement and find missing or duplicate entries. Open an account → Reconciliation.
Overview

Lent & Borrowed

Lent a friend Rs 5,000? Borrowed from family? Record it once, then record each repayment as it happens. KhataIN keeps the remaining amount and moves the money in and out of the right account.

Lent
Money others owe you.
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Borrowed
Money you owe others.
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Overview

Recurring

Rent, subscriptions, salary: anything that repeats. KhataIN reminds you when each one is due, or records it for you if you switch that on.

Recurring
Set up what repeats, and how often.
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Overview

Budgets

A budget is a spending limit for a category over a month (or a week, or a year). As you spend, KhataIN shows what's left and warns you before you go over.

Budgets
Create and track your budgets.
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Overview

Goals

Saving for a bike, a trip or an emergency fund? A goal tracks how close you are, either from an account's balance or from amounts you add yourself.

Goals
Create a goal and watch it fill up.
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Overview

Calendar & reminders

The calendar shows Nepali and English dates, holidays, and when things are due. Reminders collect what needs your attention: a bill coming up, a repayment that's late.

Calendar
Dates, holidays and due days.
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Reminders
What needs your attention.
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Overview

Reports

See where your money went: spending by category, income against expenses, and each account's activity. Reports your plan doesn't include are shown with a lock, so you can see what upgrading adds.

Reports
Browse every report available to you.
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Overview

Import

Bring in a bank statement or a spreadsheet instead of typing every line. You review the rows before anything is recorded.

Import
Upload a CSV or Excel file.
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Overview

Privacy & activity

Your records are yours. Activity lists everything recorded in your account and can't be edited. Under Privacy you choose whether anonymous Quick add examples help improve KhataIN, and you can export your data at any time.

Activity
Everything recorded in your account.
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Privacy & data
Improvement settings and data export.
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