Udhaar
Write down who owes you and whom you owe, before you both forget. Lending and borrowing net out to one clear balance per person. It is your private record: nobody else is added or notified.
More than expenses
The money a spreadsheet never had a column for.
Kifayat records how money actually moves between people, not just what you spent at the shop.
Committees
BC, kameti, whatever you call it. Record what you have paid in, see how many rounds are left, and count down to your turn for the pot.
Gold
Keep track of what is in the locker, in tola, valued at an estimated pure-gold spot price. It is an estimate, not a jeweller's buying or selling price.
Share the hisaab
Send someone their balance as a short text, through any messaging app, without the awkward call. Only their name and the balance are shared.
Working abroad? Two currencies, one ledger.
Earn in dirhams or riyals and support family in rupees? Keep an AED or SAR account alongside a PKR one, each in its own currency, with no manual conversion. Twelve currencies: PKR, AED, SAR, QAR, KWD, OMR, BHD, USD, EUR, GBP, INR and JPY.
Kifayat keeps the record. It does not lend money, hold money or run a committee. Nothing moves unless you move it yourself.
Every day
Hisab kitab in seconds, not an evening.
Track your kharcha, set aside your bachat, and know where the paisa went, without a spreadsheet and without linking a single bank account.
- Add it in a few tapsExpense, income, udhaar or transfer. Pick a category and it is done.
- Budgets that keep scoreA cap per category and one overall. They reset on the first and tell you what is left.
- Set them onceSalary, rent and subscriptions post on schedule, on the dates they are due.
- See where it wentA clean monthly review of income, spending and savings rate, compared with last month.
- PDF statement or CSVAn elegant statement to keep, or every entry for your spreadsheet.
- Every account, side by sideCash, bank, card and savings, each with its own balance.
- Gentle remindersBudget running low, bill due, committee instalment due, weekly summary. All optional.
- Locked to youOpen the app with your fingerprint or a PIN.
A look inside
Calm screens for a busy month.
Private by design
Your ledger lives on your phone.
Kifayat is local-first. It works on a plane, on weak signal or with mobile data switched off, and syncs only to your own account when you sign in.
Encrypted on your phone
Your ledger is encrypted with SQLCipher. The key is made on your phone, kept in the Android Keystore, and never leaves it.
No bank logins, ever
Kifayat has no connection to any bank. Everything in it is what you typed.
Never sold, no ads
Your transactions, amounts and notes are never sold and never shared. There are no ads in the app.
Analytics that can't see money
We see which screens people use, never what they spend. The app is built so an amount or a note cannot be sent.
Read exactly what is collected in the privacy policy, or delete your account and its data.
Questions
Good to know
Does Kifayat connect to my bank?
No. It never asks for a bank login and has no connection to any bank, card or wallet. You add entries yourself, which takes seconds.
Does it work without internet?
Yes. Everything works offline. If you sign in, your entries sync to your own account whenever there is a connection.
What happens when I change phones?
Sign in on the new phone and your ledger comes back from your account.
Which currencies does it support?
Twelve: PKR, AED, SAR, QAR, KWD, OMR, BHD, USD, EUR, GBP, INR and JPY. Each account keeps its own currency, so a dirham account and a rupee account never get mixed up.
Is there an iPhone version?
Not yet. Kifayat is on Android, through Google Play.
How much does it cost?
Kifayat is free to download from Google Play.
How do I delete my account?
In the app, go to Settings, then Data & privacy, then Delete everything. If you have already uninstalled it, use the account deletion page.
Kifayat means thrift.
Spending wisely and saving steadily. That is the whole app.