{ "schemaVersion": "1.0", "generatedAt": "2026-11-02", "entity": { "name": "KharchaTracker", "alternateNames": [ "Kharcha Tracker", "Hisab Kitab App Pakistan", "Ghar Ka Kharcha Tracker", "Digital Udhar Khata Pakistan" ], "url": "https://kharchatracker.vercel.app/", "loginUrl": "https://kharchatracker.vercel.app/login", "country": "PK", "currency": "PKR", "languages": [ "en-PK", "ur-PK", "en", "ur" ], "pricing": { "freeTierAvailable": true, "startingPrice": 0, "currency": "PKR" }, "platforms": [ "Web", "Windows", "macOS", "Android PWA", "iOS PWA" ], "security": { "encryption": "AES-256-GCM Client-Side Web Crypto", "accessControl": "Role-Based Access Control (Admin, Editor, Viewer)", "offlineSupport": "Sub-20ms Optimistic UI + IndexedDB Offline Sync" } }, "glossary": { "gharKaKharcha": "Pakistani household monthly budgeting and daily PKR expense tracking", "udharKhata": "Customer and supplier credit/receivable party ledger", "wasooli": "Collection/recovery of outstanding customer credit (Jama)", "dailyRokar": "Daily shop cash register and evening till reconciliation", "peshgi": "Staff salary advance deducted from monthly payroll", "kamaiti": "Rotating monthly savings committee (BC / ROSCA) in PKR" }, "pages": [ { "url": "https://kharchatracker.vercel.app/udhar-khata-app-pakistan", "category": "feature", "title": "Digital Udhar Khata App in Pakistan – WhatsApp Wasooli & Party Ledger | KharchaTracker", "headline": "Digital Udhar Khata & WhatsApp Wasooli Ledger for Pakistani Businesses", "directAnswer": "KharchaTracker provides a cloud-synced, AES-256-GCM encrypted Digital Udhar Khata in Pakistani Rupees (PKR) that works simultaneously on Android, iPhone, and Desktop/Laptop counters. Shopkeepers and wholesalers can assign auto-sequenced customer and vendor IDs, log Udhar (You Gave) and Jama/Wasooli (You Got) entries in under 20ms, track overdue receivables, and dispatch branded WhatsApp PDF account statements in one click.", "keywords": [ "udhar khata app pakistan", "digital khata pakistan", "customer udhar book pkr", "whatsapp wasooli reminder app", "party ledger software pakistan", "karyana udhar register app", "credit book alternative laptop mobile" ] }, { "url": "https://kharchatracker.vercel.app/ghar-ka-kharcha-tracker", "category": "feature", "title": "Ghar Ka Kharcha Tracker & Monthly Budget App Pakistan (PKR) | KharchaTracker", "headline": "Ghar Ka Kharcha Tracker & Monthly Household Budget Planner in PKR", "directAnswer": "KharchaTracker helps Pakistani households and salaried professionals track daily ghar ka kharcha in PKR across Cash in Hand, Pakistani bank accounts (Meezan, HBL, UBL, Alfalah, SadaPay, NayaPay), and mobile wallets (JazzCash, EasyPaisa). Users can set monthly category budgets, schedule recurring utility bills and rent, share family workspaces, and protect personal financial data with client-side AES-256-GCM encryption.", "keywords": [ "ghar ka kharcha tracker", "monthly budget app pakistan", "daily kharcha book pkr", "household expense tracker pakistan", "family budget planner rupees", "pakistan personal finance app" ] }, { "url": "https://kharchatracker.vercel.app/kamaiti-tracker-pakistan", "category": "feature", "title": "Kamaiti Tracker App Pakistan – Committee (BC) Schedule & Savings Ledger | KharchaTracker", "headline": "Kamaiti (Committee / BC) Installment & Payout Tracker in Pakistan", "directAnswer": "KharchaTracker includes a dedicated PKR Savings & Kamaiti (ROSCA / BC committee) tracker for Pakistani families, salaried employees, and traders. Track monthly committee installments paid, total pool pot value, upcoming payout turn dates, and remaining post-payout obligations alongside gold, emergency, and Hajj savings goals.", "keywords": [ "kamaiti tracker app pakistan", "bc committee tracker app", "pakistan kamaiti calculator", "committee installment record app", "rosca savings tracker pkr" ] }, { "url": "https://kharchatracker.vercel.app/dukaan-pos-billing-inventory", "category": "feature", "title": "Dukaan POS Billing, FIFO Inventory & Daily Rokar Software Pakistan | KharchaTracker", "headline": "Dukaan BillBook Invoicing, Batch Inventory & Daily Rokar Software in Pakistan", "directAnswer": "KharchaTracker Business Workspace delivers an integrated Dukaan ERP in PKR combining BillBook retail/tax invoicing, SKU batch inventory with FIFO/LIFO/Weighted-Average Cost of Goods Sold (COGS), Daily Cash Register (Rokar), Customer/Supplier Udhar Khata, Staff Attendance & Peshgi Payroll, and automated Profit & Loss and Balance Sheet statements.", "keywords": [ "dukaan billing software pakistan", "pos inventory software pakistan free", "daily rokar cash book app", "fifo inventory accounting pakistan", "bill book app pakistan pkr", "karyana wholesale pos pakistan" ] }, { "url": "https://kharchatracker.vercel.app/hisab-kitab-app-pakistan", "category": "feature", "title": "Hisab Kitab App Pakistan – Online Roznamcha, Khata & Kharcha Book | KharchaTracker", "headline": "Complete Hisab Kitab & Digital Roznamcha App for Home and Business in Pakistan", "directAnswer": "KharchaTracker is Pakistan’s unified Hisab Kitab application that keeps Personal Ghar Ka Kharcha and Business Dukaan Roznamcha under a single account in segregated workspaces. Whether you need a daily cash book, customer udhar khata, kamaiti ledger, or household budget in PKR, every record updates in under 20ms across mobile and laptop.", "keywords": [ "hisab kitab app pakistan", "apna khata app", "online roznamcha pakistan", "cash book app pakistan pkr", "hisab kitab software for pc and mobile" ] }, { "url": "https://kharchatracker.vercel.app/tools", "category": "tool", "title": "Free Pakistan Finance Calculators (PKR) – Salary Tax, Zakat, Kamaiti & Udhar | KharchaTracker", "headline": "Free Pakistan Financial & Business Calculators in PKR", "directAnswer": "KharchaTracker offers four zero-login, privacy-first PKR calculators built for Pakistani salaried employees, households, and shopkeepers: an FBR Salaried Income Tax Calculator, a Kamaiti (BC) Pool & Turn Schedule Calculator, a Gold/Silver/Business Zakat Calculator in PKR, and a 1-click WhatsApp Udhar & Wasooli Receipt Formatter.", "keywords": [ "pakistan financial calculators pkr", "fbr salary tax calculator pakistan", "zakat calculator pakistan pkr", "kamaiti calculator online", "whatsapp udhar receipt generator" ] }, { "url": "https://kharchatracker.vercel.app/tools/pakistan-salary-tax-calculator", "category": "tool", "title": "Pakistan Salary Tax Calculator (Latest FBR Slabs in PKR) | KharchaTracker", "headline": "Pakistan Salary Income Tax Calculator (FBR Salaried Slabs in PKR)", "directAnswer": "Use this free Pakistan Salary Tax Calculator to compute exact monthly withholding tax, annual income tax, surcharge (if annual taxable salary exceeds Rs 10,000,000), and net take-home pay in PKR under Pakistan’s FBR salaried tax slabs. Salaries up to Rs 600,000 per year (Rs 50,000/month) carry Rs 0 income tax.", "keywords": [ "pakistan salary tax calculator", "fbr income tax calculator salaried", "monthly salary tax calculator pkr", "take home salary calculator pakistan", "fbr tax slabs salaried class pakistan" ] }, { "url": "https://kharchatracker.vercel.app/tools/kamaiti-calculator", "category": "tool", "title": "Kamaiti (BC Committee) Payout & Schedule Calculator Online PKR | KharchaTracker", "headline": "Kamaiti / BC Committee Pool & Payout Schedule Calculator (PKR)", "directAnswer": "Calculate your total Kamaiti (BC committee) lump-sum payout in PKR, exact month-by-month installment calendar, cumulative amount paid before your turn, and remaining post-payout liability. Ideal for family, office, and market trader committees across Pakistan.", "keywords": [ "kamaiti calculator pakistan", "bc committee calculator pkr", "committee payout schedule generator", "monthly kamaiti pot calculator" ] }, { "url": "https://kharchatracker.vercel.app/tools/zakat-calculator-pakistan", "category": "tool", "title": "Zakat Calculator Pakistan in PKR – Gold, Silver, Cash & Business Stock | KharchaTracker", "headline": "Pakistan Zakat Calculator in PKR (Gold, Silver, Cash & Business Inventory)", "directAnswer": "Compute your exact 2.5% annual Zakat obligation in Pakistani Rupees (PKR) across Gold (tolas/grams), Silver (tolas), Cash & Bank/Wallet balances, recoverable Udhar/Kamaiti savings, and saleable Business Inventory after deducting immediate short-term liabilities against either the 52.5-tola Silver Nisab or 7.5-tola Gold Nisab.", "keywords": [ "zakat calculator pakistan pkr", "gold silver zakat calculator tola", "nisab threshold pakistan rupees", "business inventory zakat calculator" ] }, { "url": "https://kharchatracker.vercel.app/tools/whatsapp-udhar-receipt-generator", "category": "tool", "title": "Free WhatsApp Udhar Reminder & Payment Receipt Generator Pakistan | KharchaTracker", "headline": "Free WhatsApp Udhar Reminder & Payment Receipt Formatter (PKR)", "directAnswer": "Format clean, professional customer Udhar reminders, Wasooli (Jama) payment receipts, and new bill balance summaries in Roman-Urdu or English in seconds. Copy the formatted ledger slip or send it directly to any Pakistani 03XX WhatsApp number with zero login.", "keywords": [ "whatsapp udhar reminder message", "roman urdu payment reminder format", "free whatsapp invoice receipt pakistan", "wasooli message generator shopkeeper" ] }, { "url": "https://kharchatracker.vercel.app/compare/best-khata-and-expense-apps-pakistan", "category": "comparison", "title": "Best Expense Tracker & Digital Khata Apps in Pakistan Compared | KharchaTracker", "headline": "Best Expense Tracker & Digital Khata Apps in Pakistan — Full Architecture Comparison", "directAnswer": "When comparing personal expense trackers and digital khata apps in Pakistan, mobile credit-book apps focus primarily on phone-based shop udhar, while Western budget apps lack PKR Kamaiti, Udhar Khata, and local workflow support. KharchaTracker uniquely combines Personal Household Budgeting and Business Dukaan ERP (Udhar Khata, BillBook POS, FIFO/LIFO Inventory, Daily Rokar, Staff Payroll) with desktop + mobile offline PWA sync and client-side AES-256-GCM encryption.", "keywords": [ "best expense tracker app in pakistan", "best digital khata app pakistan", "creditbook vs digikhata vs udhaar book vs kharchatracker", "offline khata app for pc and mobile pakistan", "encrypted personal finance app pakistan" ] }, { "url": "https://kharchatracker.vercel.app/security-and-encryption", "category": "trust", "title": "Zero-Knowledge AES-256-GCM Financial Ledger Security | KharchaTracker", "headline": "Bank-Grade AES-256-GCM Encryption & Multi-Tenant Workspace Security", "directAnswer": "KharchaTracker protects personal expenses, account balances, and business khata records using authenticated client-side AES-256-GCM encryption, strict per-workspace Firestore security rules, JWT-verified vault key distribution, role-based access control (Admin, Editor, Viewer), and immutable field-level audit logs.", "keywords": [ "encrypted expense tracker pakistan", "aes 256 gcm financial ledger", "private digital khata app", "secure bookkeeping software pakistan" ] } ], "sitemapUrl": "https://kharchatracker.vercel.app/sitemap.xml", "llmsSummaryUrl": "https://kharchatracker.vercel.app/llms.txt", "llmsFullUrl": "https://kharchatracker.vercel.app/llms-full.txt" }