Money Tracker · India-First
Track every rupee.
No confusion.
No awkwardness.
Udharo helps you track who owes what — instantly and effortlessly. Built for how India actually handles money.
Simple by design
Three screens. That's all you need.
Add Udhar
Who owes you?
Amount (₹)
Note
One-tap entry
Name, amount, done.
Balances
Clear ledger
Never forget who owes what.
Settle Up
Rahul owes you
₹250
Settle with one tap
No awkward follow-ups.
The real problem
We've all been here.
Udhar is a part of daily life in India. But tracking it shouldn't be painful.
You keep forgetting
₹50 here, ₹80 there — small amounts that vanish from memory but add up over time.
Awkward reminders
Asking friends to pay back feels uncomfortable. You end up letting it slide.
Messy notes & chats
WhatsApp threads and paper notes you can't search, can't trust, and always lose.
The solution
Udharo is your
silent ledger.
No spreadsheets. No group chats. No mental effort. Just open the app, record what happened, and move on. The math is done for you.
Record a transaction in under 5 seconds
Balances update automatically
Settle with one tap — history stays clean
Net summary
Rahul
owes you
Priya
owes you
Arjun
you owe
Features
Designed to disappear.
The best tool is the one you forget you're using.
Instant add
Open. Tap. Done. Recording an udhar takes fewer taps than unlocking your phone.
Clean ledger
One screen. All your balances. Who owes. What you owe. Crystal clear.
Settle up
Mark debts as settled with a single tap. Keep history forever.
Works offline
No internet needed. No login. Your data lives on your device, privately.
Lightweight
Built for minimal storage. Launches in under a second. Always snappy.
Who it's for
Real life. Real udhar.
Friends splitting money
Dinner, auto, trip expenses — track who paid what and settle cleanly without awkwardness.
Students & hostels
Mess bills, stationery, notes, snacks — the small amounts that pile up between roommates.
Small shopkeepers
Know exactly which customer owes what. Never lose track of credit extended to regulars.
Built with intent
Made for real-world usage.
Udharo isn't a startup with a growth team. It's a founder-built tool, crafted for a real problem that millions of Indians face every day. No bloat. No dark patterns. No ads.
To record any transaction
Ads, trackers, or upsells
Screen to see all your balances
Ready to start?
Start using Udharo today.
Free. No login. Works on any Android phone.
androidAndroid 8.0+ · Direct APK via GitHub Releases