MunshiMore than one business
Run a shop and a side business, or two branches. Switch from the name at the top of Home. Their books never mix.
Version 1.0.17 is out · See what’s new
Your business’s khata, beautifully simple.
Munshi keeps customer credit, payments, cash, bank and expenses in one place. See who owes you at a glance, in English or Urdu, even without internet.
Free on Android and iPhone · Paid for by a few ads, never by your data
- Works offlineEntries save on the phone and sync when you’re back online.
- English & UrduThe whole app, and the statements you share, in either language.
- Up to 5 businessesSeparate customers, books and backups for each.
- Free for everyoneNo subscription. A few small ads pay for the servers.
What Munshi does
Record what happened. Munshi keeps the totals right.
No accounting jargon. Just the few things a small business does every day, done well.
Customer & supplier khata
Credit in one tap. Balances in plain words.
Tap You gave or You got. Every balance reads like a sentence, such as “Ali owes you Rs 3,500”.
- Red is money you’ll get, green is money you’ll give. Understood at a glance.
- Fix names and numbers, pin favourites, archive settled accounts.
- Add a photo or voice note to an entry, even without a connection.
Cash, bank & expenses
All of your daily money, in one app.
A Cash Book that balances, a bank book for every account and expense categories you can rename.
- See cash in and cash out, with the balance always up to date.
- Track more than one bank account and see the total at a glance.
- Know what you spent this month, and on what.
Reports & statements
Reports for any dates, ready to share.
Pick this month, last month, this year or your own dates, and send the result as a PDF or an Excel file.
- Cash Book, bank accounts, expenses and an estimate of profit.
- Customer and bank statements with a running balance.
- PDFs for this month and last month are always free.
Payment reminders
Remind on WhatsApp. Stay polite. Get paid.
Munshi opens WhatsApp with a message ready to go. You check it and press Send yourself. Nothing is ever sent for you.
- Set one collection date for many customers at once.
- The message is already written. You only read it and press Send.
- Open a reminder for anyone who owes you, straight from one list.
And the details that matter
Built to be trusted with your records.
App Lock
A PIN that waits after wrong tries and hides the app in the app switcher. Fingerprint or Face ID unlock is optional.
Backups
Back up to your phone every day, and to your own Google Drive. Sign in on a new phone and your records come with you.
Recycle bin
Deleted a ledger, cash, bank or expense entry by mistake? Restore it within 14 days.
PDF & Excel
Share statements and reports in the format your accountant, bank or customer asks for.
Gentle reminders
Ready-written WhatsApp messages and collection dates, so you never have to remember who to chase.
Import your customers
Bring customers and balances from an Excel or CSV file and choose which business they go into. See everything before it is added, and Undo if needed.
Personal khata
Keep money you lend or borrow yourself apart from your business. Tap your business name on Home, then Add Personal.
Quick, secure sign-in
Choose your fingerprint, Face ID or a 6-digit PIN after signing in, so next time no SMS code is needed. The code is still there whenever you need it.
اردو · English
English or Urdu. The whole khata.
Switch the whole app, including the statements and reminders you share. Urdu runs right to left, the way it should.
- Change language any time in Settings.
- Statements and PDFs follow the language you choose.
Getting started
Up and running in a minute.
All you need is your phone number.
Sign in with your number
We text you a 6-digit code. There is no password to remember.
Add your first customer
Enter a name and what they owe you. That’s the whole setup.
Record as you go
Tap You gave when you give credit and You got when you’re paid.
Red: money you will get
Green: money you will give
How Munshi stays free
Premium features, free for everyone.
Other khata apps charge for working offline, using more than one phone or backing up to Drive. In Munshi they’re free, because a few ads pay for the servers and for building, updating and supporting the app.
Ads pay the bills
Ads cover the cloud servers that keep your khata safe and synced, and let us keep improving Munshi and answering your questions.
Nothing locked away
Offline use, many phones, Drive backup, reminders, reports and App Lock are free. Longer reports and Excel files open after a short ad.
Never in your way
Ads are marked “Ad” and never appear while you add an entry, sign in, unlock the app or send a reminder. Your customers’ details are never shared.
Latest
New things, regularly.
Munshi is updated often, and every change is written down in plain words.
Latest Version 1.0.17
Import, a Personal khata and quicker sign-in.
- 1.0.17 · New
Try Munshi first
A sample khata to try before you sign up, and your first customers added with their old balance.
- 1.0.16 · New
Import into the right business
Importing now asks where it should go: one of your businesses, or a new one.
- 1.0.15 · New
Wrong balance? Fix it in one tap
If a balance does not match the entries under it, Munshi now tells you on that account and on Home, and "Correct" fixes it.
- 1.0.14 · New
Personal khata
Keep money you lend or borrow yourself apart from your business.
Questions
Good to know.
How do I keep track of udhaar customers?
Keep one account per customer, record every credit and every payment when it happens, and read the running balance instead of adding up a notebook. That is what a khata is for. In Munshi, add the customer, then tap You gave when you give credit and You got when you are paid. The balance reads in plain words, such as “Ali owes you Rs 3,500”. The same books also keep supplier credit, a cash book, bank accounts and expenses.
What is the best free khata app?
The best free khata app works offline, supports your language, records credit in one tap, backs up your records, and does not lock the ledger behind a subscription. Try two or three with real customers before you move the whole register. Munshi is one free option on Android and iPhone. A few small ads, marked “Ad”, pay for the servers, so it is not ad-free. Offline use, Google Drive backup, reminders and reports are included.
How do I send payment reminders on WhatsApp?
Write a short, polite message that states the amount, and send it yourself, ideally the day before the date you agreed. Nothing is sent until you press Send. In Munshi, open Reminders, choose the customer or supplier, and tap Send reminder. WhatsApp opens with the name, your business and the amount already filled in. You read it and press Send. Nothing is sent automatically. If no phone number is saved, WhatsApp lets you pick the chat. You can also set one collection date for several customers.
Is my data safe in a khata app?
Check three things: you can lock the app, you can back the records up yourself, and the privacy policy says customer names, phone numbers and amounts are not shared with advertisers. Munshi does those. App Lock is a PIN, with optional fingerprint or Face ID. Entries save on the phone and sync when you are back online, and you can keep a backup file in your own Google Drive. Customer names, numbers and amounts are never shared with advertisers. The full detail is in the Privacy Policy.
Can I use a khata app without internet?
Yes, if the app saves entries on the phone. Turn on airplane mode, add a customer and an amount, and confirm the entry is still there. Munshi works that way. Entries save on your phone straight away and sync when you are back online. Photos and voice notes are sent later. There is no subscription; a few small ads pay for the servers.
How do I manage shop credit and stock?
Shop credit and stock are different jobs. A khata tracks who owes you and whom you owe. Stock software tracks items, quantities and reorder levels. Munshi tracks customer and supplier credit, a cash book, bank accounts and expenses. It does not manage stock or inventory, and it does not create invoices or scan barcodes.
Is Munshi really free?
Yes. It is free to download, and there is no subscription. A few small ads, marked “Ad”, pay for the servers. Offline use, more than one phone, Google Drive backup, reminders and reports stay free. Ads never appear while you add an entry, sign in, unlock the app or send a reminder.
What if I lose my phone?
Sign in with the same phone number on any device and your ledger, cash book, bank book and expenses sync back from the cloud. If you connected Google Drive, you also have a backup file in your own Drive.
Is there a khata app for Android in Urdu?
Yes. Munshi runs on Android and iPhone and works fully in Urdu and English, with right-to-left layout, Urdu reminders and Urdu statements.
Can I keep more than one business?
Yes, up to 5 on one account. Each has its own customers, Cash Book, bank accounts, expenses, Recycle bin and backups.
What is Munshi?
Munshi is a khata (ledger) app for Android and iPhone, made by DIGIT (digit.com.pk). On your phone the app is named Munshi. On the App Store it is listed as Munshi Khata App. It records customer and supplier credit, a cash book, bank accounts and expenses, in English and Urdu. It is free to download and ad-supported. A WhatsApp reminder opens already written, and you press Send yourself.
Is Munshi the same as Apna Munshi?
No. Munshi is the khata app published by DIGIT (digit.com.pk). On Google Play the package name is pk.digit.munshikhata, and on the App Store it is listed as Munshi Khata App. Apna Munshi, and other apps whose names include Munshi (such as “Munshi – Ledger”), are different products from different makers. Before you download, check that the developer is DIGIT and the website is munshi.com.pk.
Start your khata today.
Free on Android and iPhone. Sign in with your number and your records come with you, on any phone.
