10 Best Free Khata Apps in Pakistan (2026 Honest Review)
A no-fluff comparison of Pakistan's top free khata book apps for shopkeepers, wholesalers and small businesses. We compare features, privacy, true cost, and which one actually fits your business.
How We Reviewed These Apps
We installed and used each app for at least 7 days across these criteria:
- Real cost — is it truly free, or freemium with hidden walls?
- Signup friction — phone/OTP required, or instant start?
- Privacy — does your customer data go to their server?
- Roman Urdu support — does it work in Pakistani context?
- WhatsApp integration — critical for Pakistan
- PDF export — for professional statements
- Speed — does it lag on PKR 15,000 Android phones?
1. AI Khata Book Pakistan
Verdict: Best overall for shopkeepers who value simplicity and privacy.
Cost: Genuinely free, no premium tier ever. Signup: None. Privacy: 100% local browser storage. AI: Yes (Llama 3.3 via Groq).
The newest entrant on this list, AI Khata Book Pakistan is built specifically for Pakistani shopkeepers. The standout feature is the AI assistant: you type "Ali ne 5 bag rice liya 12500 ka udhar" in Roman Urdu and it auto-fills the entry. No other free Pakistani ledger app has this in 2026.
Pros: instant start, no signup, privacy-first, AI input, WhatsApp share in 3 languages, PDF export, PWA installable. Cons: only works in browser (not a native Play Store app — though installable as PWA), no cloud sync (uses local storage which means you should backup).
2. OkCredit (Indian, used in Pakistan)
Cost: Free with limits. Signup: Phone + OTP. Privacy: Cloud-based.
Indian app widely used by Pakistani shopkeepers due to a Roman Urdu UI. Strong WhatsApp integration. Free for up to a certain number of customers, then paid. Phone number required.
Pros: simple, popular, cloud sync. Cons: needs phone, data on Indian servers, some features behind paywall.
3. KhataBook (Indian, used in Pakistan)
Cost: Freemium. Signup: Phone + OTP. Privacy: Cloud-based.
The original digital khata app. Massive user base. Good UI. Hindi/Urdu language support. Free tier limited; pushes you toward paid plans.
Pros: very polished, large community. Cons: aggressive upsell, cloud-based, requires phone signup.
4. Vyapar (Indian)
Cost: Free mobile, paid desktop. Signup: Phone + OTP.
More than a khata — a full accounting/invoicing/inventory app. Free for mobile only. For Pakistani users running real businesses with stock management, can be powerful but overkill for a simple kirana.
5. Daftar (Pakistani)
Cost: Freemium. Signup: Yes.
Locally-built Pakistani option. Good Urdu support. Newer than competitors but improving. Free tier limited.
6. Simply Khata (multiple developers)
Several apps with "Simply Khata" name. Quality varies dramatically. Some are full of ads, others are clean. Check Play Store ratings before installing.
7. Google Sheets (DIY)
Cost: Free with Google account. Privacy: Google.
For tech-comfortable shopkeepers, a Google Sheet works fine as a khata. Cloud sync, multi-device, free. But: no WhatsApp integration, no Roman Urdu AI, you build it all yourself.
8. Excel / WPS Office
Same as Sheets but offline. Works on any device. No reminders, no WhatsApp. Manual but flexible.
9. Notion / Airtable (advanced)
Powerful but heavy learning curve. Free tiers generous. Overkill for most Pakistani shopkeepers but useful for those running multiple small businesses.
10. Paper Khata Notebook
Still the most popular in Pakistan. Zero cost, zero learning curve. But: lost easily, no backup, no reminders, math errors. We'd recommend any of the digital options above over paper.
The Verdict
For most Pakistani shopkeepers in 2026, here's our recommendation:
- If you want zero signup & privacy: AI Khata Book Pakistan
- If you want cloud sync & don't mind phone signup: OkCredit or KhataBook
- If you need full accounting (invoicing, stock): Vyapar
- If you're a spreadsheet person: Google Sheets
The "best" app depends on your business size and how comfortable you are with technology. The good news: even the basic digital options beat paper by miles.
Common Questions
Are Indian khata apps safe to use in Pakistan?
Functionally yes — they work fine. The concern is data privacy: your customer data is on servers in India. For most kirana store owners this isn't a problem, but if you handle sensitive client information, choose a privacy-first option like AI Khata Book Pakistan that keeps data local.
Which app is best for rice mills and wholesalers?
For high-volume businesses with 100+ customer accounts, AI Khata Book Pakistan's search and filter performance has been the best in our testing. More on rice mill specifically here.
Do these apps work offline?
AI Khata Book works offline once loaded. KhataBook and OkCredit need internet for sync. For areas with weak coverage, the offline-capable option is safer.