Khatabook alternatives

The best Khatabook alternatives for a small business.

All of these apps do the same main job: a digital bahi khata that remembers which customer owes you money. They differ in what comes after that, and in whether anything keeps track of what your own team spends.

We make Splitkaro, one of the four apps below.

The short answer

Splitkaro Business if you want to keep track of what your own team spends, with a photo of every bill and no charge per person. OkCredit or Khatabook if the job is getting customer udhaar back, CashBook if you want to give staff a company wallet.

Splitkaro

That’s us

What your team actually spent

  • A shared cashbook: money in, money out, money paid back to staff
  • Track customer udhaar too: make an Office group, add the expense on the customer, see the balance, and tap Remind
  • A photo of every bill, and as many books as you need
  • Reads your bank SMS and adds the expense for you
  • GST-ready categories, and it works without internet
  • Your own money and business money in one app, free to start
  • No QR code to take customer payments, and no automatic SMS to customers
  • No GST bills and no stock
  • No company wallets to give staff
  • Your own categories and expense search need the paid plan

OkCredit

Getting udhaar back from customers

  • Digital udhaar and jama book, with a running balance for each customer
  • Sends SMS reminders on its own, and WhatsApp payment links with a QR code
  • Take payment by UPI, and the book updates by itself
  • Works without internet, saves online, and runs in 11 Indian languages
  • Made for customer udhaar, not for what your own team spends
  • Staff access needs a paid plan

Khatabook

Staying with the biggest name

  • Digital khata with one-tap payment reminders
  • Take payment by UPI, card or wallet with a QR code
  • Make GST and non-GST bills and send them on WhatsApp
  • Keeps stock along with the khata
  • Very close to OkCredit for the main job, so moving between the two changes little
  • Not made for splitting or paying back what your team spends

CashBook

Giving staff company money

  • Give each staff member a company UPI wallet with a limit
  • See what every person has spent, as it happens
  • Sends your entries straight to Tally or Zoho Books
  • You pay for each wallet, so the cost grows with your team
  • Not a customer udhaar book at all
CashBook vs Splitkaro, in detail

okcredit.in · cashbook.in · Khatabook on Google Play — checked September 2026

Which one should you actually pick?

Go deeper

CashBook vs SplitkaroSee Business groupsCompare expense manager apps

Questions, answered

Which app is the best Khatabook alternative?

It depends on the job. For what your own team spends, Splitkaro Business is a shared cashbook with bill photos and staff payments, which the khata apps do not do. For getting customer udhaar back, OkCredit does the same work as Khatabook, with automatic SMS reminders and WhatsApp payment links.

Is there a free Khatabook alternative?

OkCredit has a free plan with unlimited customers and entries. Splitkaro Business is free to start, with as many books as you need. CashBook is paid, and you pay for each wallet.

Which app tracks what my team spends, not customer udhaar?

Splitkaro Business, if you want to note what your team already spent and pay them back. CashBook, if you would rather give staff a company wallet before they spend.

Can one app do both?

Splitkaro can. A Business group keeps your shop accounts, and an Office group tracks what each customer owes: add the expense on the customer, see their balance, and tap Remind. What it does not have is a QR code to take payment or automatic SMS to customers, which is what the khata apps are built around.

One cashbook for your whole team

Note what your team spent, add the bill photo, keep every book in one place. Free on Android and iOS.

Download for AndroidDownload for iOS