# How to keep track of udhaar without the awkwardness

Source: https://www.jayb.io/blog/track-udhaar · Updated 10 October 2026

Lending money to friends and family is part of life here, and so is forgetting who still owes what. A notebook works until it doesn't. Here's a simple way to keep udhaar straight, and how Jayb does it for personal money.

## Treat a loan as money that's still yours

When you lend Rs 20,000 to a cousin, you haven't spent it: it's yours, with someone else. In Jayb, lending moves money from your account to that person, so your net worth doesn't drop and it never counts against a budget. Borrowing works the other way round.

## One balance per person

- Each person shows "owes you" or "you owe", with every loan and repayment behind it.
- Record lend, borrow, got paid back and pay back from the add screen, or just tell Jayb AI: "I gave Ali 5,000".
- On the first of each month, the bell lists who still owes you.

## A reminder that doesn't feel rude

Remind on WhatsApp sends a polite message with the amount and the date, from your own WhatsApp, to their number if you've saved it. You can read it before it goes.

## When it's forgiven

Not every loan comes back, and that's fine. Settle up lets you let go of some or all of what someone owes, or record that a debt was forgiven, without pretending a payment happened.

## Khata apps or Jayb?

Khata apps like DigiKhata, CreditBook and Easy Khata are built for shops keeping a ledger of customers. Jayb is for your own money: udhaar sits next to your accounts, budgets and savings, so your whole picture is right.

## Questions

### Does lending money count as an expense?

Not in Jayb. Lending and borrowing move money between your account and a person, so they're never income or spending.

### Can I remind someone without calling them?

Yes. Remind on WhatsApp writes a polite message with the amount and date, and sends it from your own WhatsApp.

## Sources

- [DigiKhata on Google Play](https://play.google.com/store/apps/details?id=com.androidapp.digikhata&hl=en&gl=PK), checked 10 October 2026
- [CreditBook on Google Play](https://play.google.com/store/apps/details?id=com.creditbookpk.creditbook&hl=en&gl=PK), checked 10 October 2026
- [Easy Khata on Google Play](https://play.google.com/store/apps/details?id=com.tech.bazaar.easykhata&hl=en&gl=PK), checked 10 October 2026