Khata app
The digital khata app for shops that sell on udhar
Tijarah is a khata app built around how trade really works in Pakistan: customers take goods on udhar, pay in parts, and the balance moves with every bill. Each customer and supplier gets a running khata that updates itself, on any phone or laptop.
Why the paper khata book lets you down
A paper khata works until it does not. A page gets torn, a name is spelled two ways, a customer says they already paid and nobody can prove otherwise. At the end of the month you add up columns by hand and hope the total is right.
The same person who owes you for last month's goods may also supply you with something, and now their balance lives in two different books. Udhar you forgot to chase is money you quietly lose, and a khata you cannot trust is just a list of arguments waiting to happen.
How Tijarah works as your digital khata
In Tijarah every customer and supplier is a party. You add the party once, with an opening balance if they already owe you or you already owe them. From then on every sale, purchase and payment that involves that party lands in their khata on its own.
Each party has a running ledger: the opening balance, every bill, every payment and the balance after each line. Payments settle the balance rather than one particular bill, which is how udhar actually works in the bazaar. One party can be both a customer and a supplier, so you see one honest number instead of two.
Underneath, Tijarah is accounting software, so every khata entry also posts a balanced journal entry. You never see debits and credits unless your accountant asks for them.
| Date | Entry | Debit | Credit | Balance |
|---|---|---|---|---|
| 01 Oct | Opening balance | — | — | 12,000 |
| 04 Oct | INV-2026-0171 | 8,500 | — | 20,500 |
| 07 Oct | CRV-2026-0038 | — | 10,000 | 10,500 |
| 10 Oct | INV-2026-0185 | 20,000 | — | 30,500 |
| 10 Oct | INV-2026-0185 · JazzCash | — | 15,000 | 15,500 |
How a sale on udhar works
Here is the whole loop, from the first bill to the last rupee collected.
- Add the customer once, with their opening balance if they already owe you. You can also add a new customer from inside the sale form.
- Record the sale: pick the customer, add products with quantity and rate, and apply a fixed or percentage discount if you give one.
- Split the payment across cash, bank, mobile wallet and Credit. Whatever you mark as Credit goes straight into the customer's khata.
- When the customer pays later, record the receipt in the Cash Book or Bank Book against their name. Their balance drops by that amount.
- Open their khata at any time to see what they owe, line by line. From the Ledger you can also print the customer's statement or save it as a PDF to show them what they owe.
More than a list of names
A khata is only useful if it agrees with the rest of your business. In Tijarah it does.
- Wallet payments are recorded properly. See JazzCash and Easypaisa bookkeeping.
- Stock drops as you sell, so your khata and your shelves agree. See inventory management.
- Every account has a statement and a day book. See ledger and day book software.
- It suits retail and wholesale counters alike. See shop management software.
What it costs
Keeping a digital khata should not cost a fortune, and it should not be split into tiers.
Tijarah is Rs 5,000 per month with every feature included. Create your account and we activate it after a quick review. Questions first? Email [email protected].
Keep exploring Tijarah
Accounting Software for Pakistani Businesses
Plain forms in, balanced double-entry books out. No accounting knowledge needed.
Ledger and Day Book Software
Any account's history with a running balance, or every entry of the day.
JazzCash and Easypaisa Bookkeeping
Cash, bank accounts and wallets, each with its own book and balance.
Dukaan ka Hisab Kitab App
Roman Urdu mein: bikri, udhar, khata aur stock ka hisab, ab phone par.
Questions shopkeepers ask
What is a khata app?
A khata app replaces the paper khata register. It keeps a running balance for every customer and supplier, so you always know who owes you and whom you owe.
Can one person be both a customer and a supplier?
Yes. In Tijarah a single party can be both, and their khata shows one running balance for both sides of the relationship.
What happens to the khata when I sell on credit?
Whatever part of a bill you mark as Credit is added to that customer's khata automatically. Payments you record afterwards reduce the balance.
Can I enter what customers already owe me?
Yes. Give each customer or supplier an opening balance when you add them, and their khata carries on from there.