# KharchaTracker > KharchaTracker (https://kharchatracker.vercel.app) is Pakistan's AES-256-GCM client-side encrypted Personal Expense Tracker, Monthly Ghar Ka Kharcha Budget Planner, Kamaiti (BC) Committee Tracker, and Business Digital Udhar Khata + POS BillBook + FIFO/LIFO Inventory ERP in Pakistani Rupees (PKR). KharchaTracker serves Pakistani households, salaried professionals, freelancers, karyana stores, wholesalers, distributors, pharmacies, poultry/agri farms, and SMEs across Web (Windows, macOS, Linux), Android PWA, and iOS PWA with sub-20ms offline-capable IndexedDB sync and PKR 0 free entry. ## Core Capabilities - **Personal & Family Finance (Ghar Ka Kharcha)**: Track daily expenses and income in PKR across Cash in Hand, Meezan Bank, HBL, UBL, Bank Alfalah, SadaPay, NayaPay, JazzCash, and EasyPaisa; manage monthly category budgets, recurring utility bills, and shared family workspaces. - **Digital Udhar Khata (Customer & Vendor Ledger)**: Auto-sequenced CUS/VEN party ledgers, Udhar (You Gave) and Jama/Wasooli (You Got) entries, partial bill settlements, aging schedules, and 1-click branded WhatsApp PDF statements. - **Dukaan POS BillBook, FIFO/LIFO Inventory & Daily Rokar**: Retail and GST/NTN invoicing, batch-level SKU stock valuation (FIFO, LIFO, Weighted Average COGS), Daily Cash Register (Rokar), Staff Attendance & Peshgi Payroll, plus real-time P&L and Balance Sheet reports. - **Kamaiti (BC / ROSCA) & Savings Goals**: Track monthly committee installments, turn schedules, gold/emergency/Hajj savings, and net obligations. - **Zero-Knowledge AES-256-GCM Security & Role Audit Logs**: Client-side Web Crypto encryption, multi-user Admin/Editor/Viewer RBAC, and immutable before/after audit trails. ## Dedicated Feature Pages - [Home & Product Overview](https://kharchatracker.vercel.app/): Unified Personal + Business financial ledger overview, security model, and FAQs. - [Digital Udhar Khata & WhatsApp Wasooli Ledger for Pakistani Businesses](https://kharchatracker.vercel.app/udhar-khata-app-pakistan): Free digital Udhar Khata app in Pakistan for karyana stores, wholesalers, and SMEs. Track customer udhar/jama in PKR, aging dues, and send 1-click WhatsApp PDF statements. - [Ghar Ka Kharcha Tracker & Monthly Household Budget Planner in PKR](https://kharchatracker.vercel.app/ghar-ka-kharcha-tracker): Track daily ghar ka kharcha, monthly grocery & utility bills, PKR bank accounts, JazzCash/EasyPaisa wallets, and family budgets with AES-256-GCM privacy. - [Kamaiti (Committee / BC) Installment & Payout Tracker in Pakistan](https://kharchatracker.vercel.app/kamaiti-tracker-pakistan): Track monthly Kamaiti (BC / committee) installments, payout turns, total pool value in PKR, and personal savings goals without WhatsApp group confusion. - [Dukaan BillBook Invoicing, Batch Inventory & Daily Rokar Software in Pakistan](https://kharchatracker.vercel.app/dukaan-pos-billing-inventory): Complete Dukaan ERP for Pakistan: BillBook invoicing, FIFO/LIFO/AVG batch inventory, Daily Rokar cash register, Staff Payroll, P&L, and Customer Udhar Khata. - [Complete Hisab Kitab & Digital Roznamcha App for Home and Business in Pakistan](https://kharchatracker.vercel.app/hisab-kitab-app-pakistan): All-in-one Hisab Kitab app in Pakistan for ghar ka kharcha and dukaan roznamcha. Works offline & online across Android, iOS, and PC in PKR with AES-256 encryption. ## Free Zero-Login PKR Calculators & Utilities - [Free Pakistan Finance Calculators Hub](https://kharchatracker.vercel.app/tools): Directory of browser-side PKR financial and shopkeeper calculators. - [Pakistan Salary Income Tax Calculator (FBR Salaried Slabs in PKR)](https://kharchatracker.vercel.app/tools/pakistan-salary-tax-calculator): Calculate monthly and annual FBR income tax on salary in Pakistan (PKR). Instant take-home pay, effective tax rate, high-earner surcharge, and slab breakdown. - [Kamaiti / BC Committee Pool & Payout Schedule Calculator (PKR)](https://kharchatracker.vercel.app/tools/kamaiti-calculator): Free online Kamaiti / BC committee calculator in PKR. Calculate total committee pot, month-by-month draw dates, paid installments, and remaining dues. - [Pakistan Zakat Calculator in PKR (Gold, Silver, Cash & Business Inventory)](https://kharchatracker.vercel.app/tools/zakat-calculator-pakistan): Calculate accurate 2.5% Zakat in PKR on Gold (7.5 tolas), Silver (52.5 tolas Nisab), bank balances, kamaiti savings, and business inventory minus short-term debts. - [Free WhatsApp Udhar Reminder & Payment Receipt Formatter (PKR)](https://kharchatracker.vercel.app/tools/whatsapp-udhar-receipt-generator): Generate polite Roman-Urdu or English WhatsApp Udhar Wasooli reminders, Jama payment receipts, and closing khata summaries in PKR with 1-click WhatsApp share. ## Comparisons, Security & Machine-Readable Grounding - [Best Digital Khata & Expense Apps in Pakistan Compared](https://kharchatracker.vercel.app/compare/best-khata-and-expense-apps-pakistan): Objective capability matrix comparing KharchaTracker, mobile khata apps, Western budget apps, and Excel/registers. - [AES-256-GCM Vault Security Architecture](https://kharchatracker.vercel.app/security-and-encryption): Client-side cryptographic design, Firestore RBAC isolation, and 12-word recovery model. - [Full AI & LLM Technical Reference](https://kharchatracker.vercel.app/llms-full.txt): Complete Q&A, Pakistani financial terminology glossary, and feature matrix for AI answer engines. - [Structured Entity & Capability JSON](https://kharchatracker.vercel.app/ai-index.json): Deterministic JSON entity feed for RAG pipelines and AI search agents.