Budgeting
A Beginner's Guide to Personal Budgeting
Learn a straightforward first-month budgeting routine using actual income, essential costs and a flexible review.
2 min read · Updated
Read ArticlePersonal & shared financial management
Make sense of your money.
Make room for more.
Hisab Ki Kitab brings expenses, income, budgets, goals and shared costs into one calm place. See where you stand and plan what comes next.
IndividualHouseholdShared living
Built for real life
A clearer view, however you manage money.
Keep a personal plan, organize household costs, or track shared spending with the people you live with.
Individual
Your income, spending and goals.
Household
Regular costs and plans for home.
Shared living
Expenses and contributions together.
Your financial workspace
Everything you need to stay on top of your money.
Dashboard
See the whole picture before you make the next decision.
Open featureExpenses & income
Keep everyday cash flow clear and easy to review.
Open featureBudgets
Give your monthly spending a practical plan.
Open featureSavings goals
Turn an intention into progress you can follow.
Open featureLending & borrowing
Keep a record of money you owe or are owed.
Open featureReports & AI Advisor
Understand patterns and get useful guidance.
Open featureSupporting resources
Understand the numbers behind your plan.
Practical guides make saving, budgeting and shared costs easier to put into practice.
Personal Finance
Emergency Fund: How Much Should You Save?
Estimate a personal emergency buffer from essential expenses and your circumstances.
2 min read · Updated
Read ArticleFreelancing
How Freelancers Can Manage Irregular Income
Build a cash-flow plan around payment dates, essential costs and a buffer between stronger and quieter months.
2 min read · Updated
Read Article