Hisab Kitab · Made in India
UPI-first expense tracker for India
Every settlement opens your UPI app with the amount pre-filled. No copying, no "what was that number again", no leaving the app. Works with GPay, PhonePe, Paytm and any UPI-capable bank app.
The problem
- •Current flow: see the amount in the splitting app → memorise or copy → switch app → open UPI → paste amount → type collector's VPA → confirm → switch back to mark it paid.
- •Easy to mistype paise. Easy to forget to mark settled.
- •Group transfers at the end of a trip = 15 minutes of app-switching.
What you get
One-tap UPI deep-link
Settle Up on any friend or group pulls up upi:// with the amount, their VPA, and a reference note already in place.
Works with every UPI app
GPay, PhonePe, Paytm, Amazon Pay, CRED, and every bank's UPI app — your OS picks whichever you prefer.
Auto-mark as settled
When you return to the app, we show you a one-tap "Mark paid" so the balance updates instantly.
VPA per friend
Save your friend's UPI ID once; it's reused for every future settlement with them.
Simplify + settle in a row
At the end of a trip, Simplify debts → tap each row → each UPI payment pre-fills. 3 taps to settle 7 expenses.
No access to your bank
Hisab Kitab never reads your bank — we only hand you a UPI deep-link. The actual transfer happens inside UPI, same as sending money to any contact.
How it works
- 1Add your UPI ID to your profile
Settings → Your profile → UPI ID. Shows as "you@okhdfcbank" to friends when they settle with you.
- 2Save friends' VPAs when you settle
First time you tap Settle, enter their UPI ID; after that it's cached per friend.
- 3Settle one-tap
On the friend page or at Simplify debts, tap the amount — your UPI app opens with everything pre-filled.
- 4Confirm back in Hisab Kitab
After paying, Hisab Kitab shows a quick "Mark as paid" so the balance updates.
FAQs
Is Hisab Kitab a UPI app or a bank?
No. We don't move money, don't hold your money, and don't need your bank credentials. We hand your UPI app a pre-filled deep-link; the money moves through your existing UPI stack.
Which UPI apps work?
All of them. Hisab Kitab uses the standard upi:// URL scheme, which every UPI-registered app in India supports. Your OS lets you pick the default.
What if my friend hasn't added their UPI ID?
You'll see a "Request their UPI ID" shortcut that sends them an in-app ping. Or you can enter their VPA manually once; Hisab Kitab caches it for next time.
Does it track my own UPI transactions automatically?
Not by reading your bank. Our Inbox feature (on the roadmap) can parse forwarded bank SMSes into pending expenses you approve with one tap — fully private, no bank API access.
Try it in 30 seconds
The fastest way to settle up with friends in India. 30 seconds to sign up, one tap after that.
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