Baqaya is a simple, private expense tracker that works completely offline. No account, no signup, no data leaving your phone — just open it and start tracking.

Built for India and Saudi Arabia, with everything you actually need in one app.

💸 DAILY EXPENSE TRACKER
Log expenses in seconds, organise them by category, and see exactly where your money goes each month. Set a monthly budget and get alerts before you overspend. Track your income and salary too.

🏠 SHARED BILLS — SPLIT BY DAYS STAYED
The fair way to split apartment electricity and water bills. Add the flats or people who share the bill, mark anyone who travelled, and Baqaya splits the cost by how many days each person was actually there — not a flat equal split. Perfect for shared accommodation and building utilities.

👥 SPLIT BILLS WITH FRIENDS
Create a group for a trip, dinner or shared purchase, add expenses, and see who owes whom. Settle up with one tap and share the breakdown on WhatsApp.

📒 KHATA / UDHAR LEDGER
A digital khata book for shop credit and personal lending. Track what customers owe you and what you owe others, attach bill photos, set credit limits, and send polite payment reminders on WhatsApp.

🔄 COMMITTEE / SAVINGS CIRCLE
Track a committee, kitty or jam'iya: who has paid each round, whose turn it is to collect, and how much the pot is. Send round reminders to members.

🕌 ZAKAT CALCULATOR
Enter your gold and silver in grams with the current price and Baqaya calculates the value and your Zakat automatically, with nisab guidance.

💳 SAUDI & INDIA PAYMENTS
Save your IBAN (the bank name is detected automatically) or your STC Pay number and it's included in every payment reminder you send. Indian users can share a UPI ID and request payments by QR code.

📅 SUBSCRIPTIONS
Keep every subscription in one place — Netflix, YouTube, Spotify, ChatGPT, mobile recharge and more — with monthly, 3-month, 6-month or yearly billing cycles, and see your true monthly cost.

📊 REPORTS & INSIGHTS
Monthly trends, category breakdowns, spending insights, savings goals, and PDF/Excel export for your records.

🔒 PRIVATE BY DESIGN
Everything you enter stays on your device. There is no account, no cloud sync and no tracking of your financial data. Optional fingerprint lock keeps the app private, and you can back up and restore your data yourself.

🌍 14 LANGUAGES
English, Arabic, Hindi, Urdu, Bengali, Gujarati, Kannada, Malayalam, Marathi, Punjabi, Tamil, Telugu, Filipino and Tagalog.

Whether you call it an expense manager, spending tracker, budget planner, khata book, udhar bahi khata or bill splitter — Baqaya keeps your money organised, offline and private.

Free to download. No account required.