Y Yaar Khata
🌿 For desis everywhere · 🇵🇰 🇮🇳 🇧🇩 🇦🇪 & beyond

Split expenses
with your yaar.

No more hisaab-kitaab headaches. Whether you're home in Pakistan, India or Bangladesh — or living abroad in Dubai, Saudi, the UK or Canada — Yaar Khata tracks who paid, splits bills your way, and settles up in the fewest payments. Perfect for keeping the hisaab-kitaab straight with your roommates and flatmates, in any currency.

📦 v1.0.0 Free to start · No card needed · iOS coming soon
Naran Trip 🏔️
You are owed Rs 4,250
Across 5 members · 12 expenses
🍽️Dinner at the dhaba
Ali paid Rs 6,400 · split equally
−1,280
Fuel & tolls
You paid Rs 3,000 · by shares
+2,400
🏨Guest house
Sara paid Rs 9,000 · by amounts
−1,800
Settle up
3 payments clear everyone
Go
💸 Settled in 3 taps
📊 Insights by category
3
Split modes
100%
Works offline
5
Languages · en ur ar hi es
Rs 0
To get started
The problem

Shared money makes friendships awkward.

A Naran trip with the boys, a flat share in Lahore or Bengaluru, a bachelor pad in Dubai, a family dinner in Dhaka, the daily chai-and-samosa run — someone always pays, and remembering who owes whom turns into a mess.

  • "Yaar, tune kitna diya tha?" — nobody remembers who paid for what.
  • Sharing a flat abroad and splitting rent, groceries & bills with roommates every month.
  • That awkward moment when you have to remind a friend to pay you back.
  • Five people paying each other back in ten confusing transfers.
  • Mixed currencies — someone paid in AED, another in PKR, the trip bill came in dollars.

Yaar Khata fixes all of it 🌿

Add an expense the moment it happens. The app remembers everything and does the maths so you never have to.

Every rupee logged the second it's spent — no memory required.
Clear "who owes whom" balances, always up to date.
Smart settle-up in the fewest payments — no ten-way shuffle.
Gentle reminders do the awkward chasing for you.
Multi-currency — PKR, INR, AED, BDT, USD, GBP & more, each group in its own currency.
Living abroad? Keep the hisaab-kitaab with your roommates crystal clear.
Everything you need

One app for every shared expense

From a quick chai run to a month-long trip, Yaar Khata keeps the numbers honest so nobody has to do mental math at the table.

👥

Groups & members

Create a group for any trip, flat or event, give it a colour, and add members who confirm before they join.

Three ways to split

Split equally, by exact amounts, or by weighted shares — with a dedicated keypad for each member.

📴

Works fully offline

Add expenses on the mountain with no signal. Everything saves on your phone and syncs later when you're back online.

🤝

Smart settle up

See exactly who owes whom, then let debt simplification find the fewest payments that clear the whole group.

🌍

Multi-currency management

Track in PKR, INR, AED, BDT, USD, GBP and more — each group in its own currency. Your stats even convert everything to your home currency, so expats and cross-border groups always see the real picture.

📊

Insights & charts

See spending by category, by payer and over time with clear charts that make your habits obvious.

🏆

Fun engagement badges

Earn playful titles like "Call Me Papa" for the top payer. A little friendly bragging keeps everyone paying up.

🔔

Reminders & notifications

Nudge friends to settle without the awkward WhatsApp message. The app does the chasing for you.

🔗

Shareable links & QR

Invite the group with a link or QR code, and share a read-only khata so everyone can see the numbers.

🧾

Receipts & recurring

Attach a photo of the bill for proof, and set rent or subscriptions to repeat automatically.

🌙

Dark mode & languages

Beautiful light and dark themes, plus English, Urdu, Arabic, Hindi and Spanish with full RTL support.

💎

Premium

Go Pro with card via Stripe, or pay by bank transfer — HBL and JazzCash supported for local users.

How to use it

Fair in four simple steps

1

Download & sign up

Grab the Android app, create your account in seconds, and you're in.

2

Create a group

Start a group for your trip, home or event and add friends by link, QR or email.

3

Add expenses

Punch in what you spent, pick who was involved, and choose how to split it.

4

See balances & settle up

Yaar Khata suggests the fewest payments to clear every balance. Tap, pay, done.

See it in action

A peek inside Yaar Khata

From the group dashboard to splitting a bill and settling up — here are a few of the screens you'll live in.

Group dashboard
Group dashboard
Add an expense
Add an expense
Enter the amount
Enter the amount
Split by amount
Split by amount
Group balances
Group balances
Who paid the most
Insights & charts
Fun badges
Fun badges
Your stats
Your stats
See all screenshots →
Split your way

Because not every bill is equal

Yaar Khata handles the three splits people actually use — and does the maths for you every time.

➗ Equally

The classic. Divide a bill evenly across everyone who took part.

DinnerRs 4,000
4 peopleRs 1,000 each
🎯 By amounts

Enter exactly what each person owes when shares aren't even.

AliRs 1,500
SaraRs 900
YouRs 600
📐 By shares

Assign weighted shares — great for rooms, portions or usage.

Big room (2×)Rs 5,000
Small room (1×)Rs 2,500
FAQ

Quick answers

Is Yaar Khata free to use?

Yes. You can create up to 3 groups with unlimited expenses on the free plan, forever. Upgrade to Pro any time for unlimited groups, receipt storage, insights and exports — pay by card (Stripe) or bank transfer.

How do I install the APK?

Tap "Download for Android", open the downloaded file, and if your phone asks, allow installs from unknown sources for your browser. Then tap Install. It only takes a few seconds.

Does it really work offline?

Yes. Add expenses with no internet — on a mountain, in a basement, on a flight. Everything is stored on your phone and syncs automatically the next time you're online.

How does "settle up" work?

Yaar Khata looks at every balance in the group and calculates the smallest set of payments that clears everyone. Instead of five people paying each other back, you might only need two or three transfers.

Is Yaar Khata only for Pakistan?

Not at all. It's built for desis everywhere — Pakistan, India and Bangladesh, and the millions living abroad in the UAE (Dubai), Saudi Arabia, the UK, Canada, Australia and beyond. If you split bills or rent with friends, family or roommates, Yaar Khata is for you.

Can I use multiple currencies?

Yes — full multi-currency management. Track each group in its own currency (PKR, INR, AED, BDT, USD, GBP and more), and your personal stats convert everything to your home currency so cross-border and expat groups always add up correctly.

Is my data safe?

Your khata is yours. Data is protected, you control what you share, and you can request deletion of your account and data at any time.

See all FAQs
Get the app

Ready to split without the awkward maths?

Download Yaar Khata for Android and join the friends, flatmates and travellers keeping their money fair and their friendships intact.

DOWNLOAD FOR ANDROIDYaarKhata.apk · v1.0.0

Requires Android. When installing, enable "install from unknown sources" if your browser asks. iOS coming soon.