খাতা, ডিজিটাল হলো · the ledger, digitised
Every taka logged.
Every dena-paona settled.
An offline-first money tracker built for Bangladesh — record income, expense and budgets across your real accounts, and keep informal lending honest between you and the people you trust.
Free for 7 days. Then ৳2.00/day on your Robi or Cirkle number. Android 8.0+ · direct APK, not yet on Google Play.
Rounding error. Every amount is stored as whole poisha — never a floating-point number.
Ledgers updated the moment a dena-paona entry is confirmed by both sides.
Of the core features keep working with your data connection switched off.
Days free, with no subscription and no charge, before you decide anything.
The ledger
Built around what you actually open your phone to do.
Logging something small before you forget it, moving money between your own accounts, holding a budget, and seeing where it all went. Four screens you'll use every week.
01 / LOG
Add it before you forget it.
Amount, category, account, date — four taps and it's saved. The account defaults to whatever you used last and the date defaults to today, so most entries are two taps and a number.
- Cash, Bank, bKash, Nagad, Rocket and Upay accounts, side by side
- Anything zero or negative is rejected on the spot, in plain language
- Saved and on screen in under a fifth of a second, online or not
02 / MOVE
Your own money, moved between your own accounts.
Cash into bKash, salary out of the bank. A transfer adjusts both balances and stays out of your income and expense totals entirely, so moving money never looks like earning or spending it.
- Every account keeps its own running balance
- Rename, hide or delete an account without losing its history
03 / PLAN
A budget that resets itself, on your schedule.
Set a limit per category for the calendar month — or start your own cycle on payday, which is what a salary actually does. Consumption resets at the start of every period without you touching anything.
- Get warned at 50%, 80%, 90% or 100% — whichever number you'll act on
- Put money aside toward a named savings goal with its own target date
04 / REVIEW
Where it went, without a spreadsheet.
Spending broken down by category, income against expense across weeks or months, and a consolidated position of who owes whom — filtered by any date range and any account.
- Tap a bar to read that period's exact figures
- Presets for this week, this month, the last three months and this year
The difference
The lend-and-borrow ledger both sides can see.
Pick someone from your contacts, mark what was lent or borrowed, and — if they're on ToshaKhana too — send them the entry to confirm. Once they accept it lives in both ledgers, updates with every partial repayment, and settles the way it started: agreed by both people.
- Confirmation is optional. An unconfirmed entry still works as your own private record
- Not on the app yet? Send it by SMS or WhatsApp — they'll see it the moment they join
- Record goods and favours too, not just amounts
Also inside
The quieter features that keep the rest honest.
Flight mode changes nothing.
Recording, editing, budgets, reports, dena-paona — all of it runs off the copy on your phone. When the connection comes back, pending changes sync themselves in the background. Only sign-in, sync and two-sided confirmation ever need the network, which matters on a metered plan.
One nudge a day — only if you forgot.
A single reminder to log something, silenced the moment you've already recorded a transaction that day. Bills and dena-paona due dates get their own advance warning.
Locked how you want it, if at all.
App lock stays off until you turn it on — PIN or fingerprint, on every launch or after you've been away. One tap hides every number on screen.
Your data leaves whenever you want it to.
Export every transaction as CSV for Excel or Google Sheets, take a complete backup file and restore it on another device, or pull a full read-only copy of everything held about you. Files go out through your usual share sheet — nothing is uploaded anywhere by ToshaKhana.
লিখুন যেভাবে আপনি ভাবেন
Write it the way you think.
Switch the whole interface between বাংলা and English in the middle of a session. Nothing resets, nothing reloads, nothing logs you out.
Trust
Built to earn the access it asks for.
This app holds a record of your money and the people you lend it to. That only works if the rules are boring and predictable — so here they are, in full.
- It never requests READ_SMS. Google Play reserves that permission for default SMS apps, and we don't ask for it — not now, not later.
- Nothing saves itself. Every transaction, entry and confirmation needs your tap. There is no silent auto-capture.
- Delete means delete. Close your account and every record goes — not archived, not resold, not kept "for analytics".
- Nobody else can read your ledger. Access rules are enforced on the server, and the only thing a counterparty ever sees is the single entry you shared with them.
Pricing
Seven days free. Then the price of a cup of tea, split over a week.
No card, no bank details. The subscription runs through bdApps on your mobile operator, and you can end it from inside the app at any time.
Free trial
৳0 for 7 days
The whole app, every feature, from the moment you install it.
- No charge and no bdApps subscription during the trial
- No card or bank details, ever
- Your data stays yours if you stop at the end of it
After the trial
৳2.00 per day
Charged to your mobile balance, including VAT, SC and SD.
- Robi and Cirkle numbers only, verified by a one-time SMS code
- Cancel from inside the app whenever you like
- If a charge can't go through, you keep 7 more days of access
- Reading and exporting your data never stops working
The whole thing
Every screen, at a glance.
Your treasury, in your pocket.তোষাখানা — আপনার পকেটে
Install it, log one thing, and see whether it sticks. That's the whole ask.
Android 8.0 or newer. Your browser may ask permission to install from this source the first time.