ByajApp: Ledger & Calculator

ByajApp: Ledger & Calculator is the simplest way to track money you have lent or borrowed and watch interest grow automatically. Stop juggling notebooks and calculator apps — add a customer, record each transaction with its interest rate, and the app does the math for you every day, without any manual calculation.

Manage your ledger with complete control. Add customers and keep a separate record for each one. Record money lent or borrowed with the agreed interest rate, then watch accrued interest update automatically over time. Record full or partial repayments with a running balance that stays accurate. Mark transactions as settled, unsettle them if needed, or edit and delete any entry whenever you want. Attach receipt photos or agreements to each transaction for complete documentation. Search and filter your customer list by direction (lent or borrowed), overdue status, or activity level. Sort by name, balance, or last activity to find what you need instantly. Spot overdue transactions at a glance with clear visual indicators.

Share statements and collect payments easily. Download a clean PDF statement for any customer and share it on WhatsApp, email, or any app you use. Send payment reminders with one tap. Need to settle just one transaction? Share individual entries without pulling the entire ledger — your customer sees only what matters to them.

Keep your ledger private on a shared phone. Set a 4-digit PIN to lock your numbers away from family, kids, or roommates. The app opens freely, but your financial data stays hidden until you unlock it. Change or remove the PIN anytime from Settings. Your PIN is hashed and salted before it leaves your device — the developer never sees the digits you typed. This is designed for everyday privacy, not as a substitute for your phone's lock screen.

Your data syncs securely across your devices when you're online. Sign in with just your phone number — no password to remember. Your ledger is tied to your account, so recorded payments sync automatically. The app clearly tells you when you're offline so nothing is silently lost.

Works in your language. The app supports multiple languages and falls back to English where local content is missing. Switch language anytime from Settings.

Built for shopkeepers running daily udhar ledgers, small private lenders tracking simple-interest loans, friends and family who lend to each other, and anyone moving from a paper khata to a phone. ByajApp is made in India for the way Indian lenders actually keep books — clean, fast, and honest about what it does. It's a record-keeping tool, not a lending license or credit bureau. Install ByajApp, sign in with your phone number, add your first customer, and record your first transaction in under a minute.