Available across Pakistan — start in 3 minutes

Apni Dukaan,
Apna Hisaab

Record every sale, track every udhar, check any balance — straight from WhatsApp. In Urdu or English. By voice or text. No app, no training, no hassle.

Free plan available
No credit card
Urdu + English AI
Voice recording
✅ PKR 3,000 recorded
Ahmed's balance updated
📈 Today's cash: PKR 12,400
5.6M
Shops across Pakistan
Zero
App downloads needed
Free
To get started
Urdu + English
AI understands both
The Problem

Running a shop shouldn't mean running to a computer

Pakistan's 5.6 million small shops run on trust, memory, and paper khata books — until the book gets lost.

📒

Paper khata books get lost

One misplaced register can mean PKR 50,000+ in untracked receivables. Months of transactions — gone overnight.

💸

Credit disputes cost relationships

When a customer says they paid and you have no record, you absorb the loss — or damage the trust built over years.

🌐

Apps weren't built for you

QuickBooks, Sage, even local apps — they assume English, computers, and free time. Busy shopkeepers have none of these.

📊

No real financial visibility

At day's end, most shop owners can't tell you their cash position, total receivables, or whether the month was profitable.

How It Works

Three messages and your books are done

ApnaKhaata lives inside WhatsApp — the app your staff already has open all day. Zero learning curve.

1

Register on WhatsApp

Send "Hello" to our number from anywhere in Pakistan. Your shop is live in under 3 minutes — no forms, no downloads.

2

Record by voice or text

Say "Ahmed ne 5000 udhar liya" or send a voice note. AI understands Urdu, Roman Urdu, and English.

3

Ask anything, anytime

"Ahmed ka balance?" "Aaj kitna cash aya?" "Is month ka P&L?" — instant answers, 24 hours a day.

4

Auto payment reminders

Polite WhatsApp reminders sent automatically to customers with overdue balances — on Business plan.

Features

Built for Pakistani shops — not adapted from someone else

Every feature exists because a shopkeeper needed it — not because a product manager added it.

🎙️

Voice-first recording

Mid-transaction? Hold the phone and speak. AI transcribes, classifies, and records the entry — no typing needed.

🧠

Bilingual AI — Urdu + English

Understands code-switching — Urdu sentences with English numbers — exactly how Pakistani shopkeepers actually talk.

👥

Multi-user with roles

Give staff their own WhatsApp access. Owners see everything; staff can only record — role-based, no shared PINs.

Auto payment reminders

Scheduled, polite WhatsApp reminders to overdue customers — sent automatically without you lifting a finger.

📈

Instant financial reports

Ask "Is month kitna gaya?" and get a proper income statement. Download PDF statements for any period (Business plan).

Pricing

Start free. Upgrade when you're ready.

No credit card needed to start. Try ApnaKhaata for free — upgrade only when it proves its value.

Free
PKR 0/forever
Try it out — no time limit, no card required.
  • 1 user (owner only)
  • 10 transactions/day
  • 5 enquiries/day
  • Voice & text recording
  • Balance & customer ledger
  • Monthly report
  • P&L / PDF statements
  • Payment reminders
  • WhatsApp reminders to debtors
  • Priority WhatsApp support
Get Started Free
Basic
PKR 1,500/month
For solo shop owners ready to go unlimited.
  • 1 user (owner only)
  • Unlimited transactions
  • 20 enquiries/day
  • Voice & text recording
  • Balance & customer ledger
  • Monthly summary report
  • P&L / PDF statements
  • Payment reminders
  • WhatsApp reminders to debtors
  • Priority WhatsApp support
Start Free Trial
Most Popular
Standard
PKR 3,000/month
For growing shops that need full financial visibility.
  • 3 users
  • Unlimited transactions
  • 50 enquiries/day
  • Voice & text recording
  • Balance & customer ledger
  • Monthly summary report
  • Full P&L & PDF statements
  • Auto payment reminders
  • WhatsApp reminders to debtors
  • Priority WhatsApp support
Start Free Trial
Business
PKR 5,000/month
For serious shops — full power, maximum users.
  • 20 users
  • Unlimited transactions
  • Unlimited enquiries
  • Voice & text recording
  • Balance & customer ledger
  • Monthly summary report
  • Full P&L & PDF statements
  • Auto payment reminders
  • WhatsApp reminders to debtors
  • Priority WhatsApp support
Start Free Trial

All paid plans include a 14-day free trial. Cancel anytime — no questions asked.

Get Started Today

Apna hisaab, apne haath mein.

Join shop owners across Pakistan who've moved their khata to WhatsApp. Start completely free — no card, no commitment.

Start for Free Talk to us first