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Har Ghar Ki Financial Diary हर घर की डायरी

The family diary, now with reminders that keep count.

Your family's financial records, organized in one place. Money given and taken, interest, EMIs, policies, bills and warranties — written once, kept private, and remembered for you.

Start your family's diaryLog in

Email and a 6-digit code. Android, iPhone and web.

Read it in

Every home's financial diary

Ghar ka hisaab · 2026

  • Rahul bhai — ₹1,00,0001% monthlyinterest from 1 Aug
  • Fridge bill — warranty till Mar '27service no. in drawer?
  • Health policy renew — Oct?Health policy renew — Nov?agent's number — ??

In KutumbLekha

Money given

Rahul Patel

₹1,00,000 · 1% per month

₹3,000

Interest · 3 months pending

Due today

Bill & warranty

Refrigerator · 340 L

invoice-fridge.pdf · Authorised service centre

Warranty ends 14 Mar 2027

Saved

Insurance

Health policy renewal

Family floater

₹18,400

Renews 12 Nov · agent saved

Upcoming

Before

Every family keeps accounts. Few keep them in one place.

A loan in a notebook, a policy in a folder, the fridge bill somewhere in a drawer, and the interest date only in someone's memory. When that person is busy, travelling or unwell, the family is left guessing.

Questions asked at the dinner table

  • Who owes us money?
  • Whom do we owe?
  • When is the interest due?
  • When does the policy renew?
  • Which EMIs are coming up?
  • Where is the bill for the fridge?
  • Is the TV still under warranty?
  • What would the family need in an emergency?

Today the family's money lives in seven places at once.

  • Paper diaries
  • Notebooks
  • Files & folders
  • WhatsApp chats
  • Phone notes
  • Spreadsheets
  • Memory
Family Space

One book.
Every record.

हर घर की फाइनेंशियल डायरी

Diaries, chats, folders and memory — gathered into one private place the family can open together.

Contents

Eight chapters of the family book.

I

Money given & taken

Every rupee you lent or borrowed, with partial returns and interest kept in their own clear histories.

  • Interest per month or per year, with a start date that can be later than the day the money moved
  • Partial returns of principal recorded as entries, never by overwriting the original amount
  • Remaining principal and pending interest shown separately

Money given

Rahul Patel

Principal
₹1,00,000
Returned · 20 Jan
− ₹20,000
Returned · 10 Mar
− ₹15,000
Returned · 12 Jun
− ₹25,000
Remaining principal
₹40,000

Pending interest is shown on its own line, never mixed in.

— as it looks in the app

II

Reminders that count for you

Interest reminders tell you how many months are pending and the total due. Dismiss, or mark it settled in one tap.

  • 30, 15, 7, 2 or 1 day before, or on the due date
  • Several months of interest paid at once are applied from the oldest month
  • Push and in-app notifications

Interest reminder

Interest from Rahul

3 months pending

₹3,000

Due today
DismissMark settled
  • 30 days before
  • 15 days before
  • 7 days before
  • 2 days before
  • 1 day before
  • On the day

— as it looks in the app

III

Bills, warranties & support

Upload the purchase bill, note the warranty, and keep the service-centre number right next to it.

  • Warranty end dates with a reminder before they lapse
  • Customer-care and service contacts saved with the product
  • The bill is there the day you need a repair or a claim

Bill & warranty

Refrigerator · 340 L

Purchased
14 Mar 2025
Warranty ends
14 Mar 2027

invoice-fridge.pdf

Authorised service centre

— as it looks in the app

IV

Insurance & policies

Life, health, vehicle, home and term policies with premiums, nominees, agents and renewal dates.

  • Renewal and expiry reminders
  • Policy document, receipts and agent contact in one record
  • Policy number, sum assured and nominee at a glance

Insurance · Health

Health policy renewal

Family floater

₹18,400

Renews 12 Nov

Upcoming
  • Policy number
  • Sum assured
  • Nominee
  • Agent contact
  • Policy document

— as it looks in the app

V

Loans, EMIs & recurring payments

Home, vehicle, education and family loans, plus rent, school fees, maintenance and subscriptions.

  • Upcoming and overdue EMIs are easy to spot
  • Payment status, date and reference for every instalment
  • Outstanding amount always visible

Home loan EMI

Instalment 84 of 240

₹24,850

Next instalment · 5 NovUpcoming
  • Rent · School fees · Maintenance · Subscriptions

— as it looks in the app

VI

A private document vault

Policies, agreements, receipts and bills stored privately and attached to the record they belong to.

  • Private storage with access limited to the right Space
  • Find a document from its loan, policy or bill
  • Archive instead of losing history

Private documents

  • invoice-fridge.pdf

    Attached to Refrigerator

  • Policy document

    Attached to Health policy

  • Loan agreement

    Attached to Home loan

— as it looks in the app

VII

Spaces for the whole family

Keep Personal, Family, Parents, Business or any custom Space, and invite family members by email.

  • Owner, Admin, Editor and Viewer roles
  • Personal records stay private unless you share them
  • Family activity shows who added or settled what

Your Spaces

  • Personal
  • Family
  • Parents
  • Business
  • Rental Property
  • Child Education

Invite by email · choose a role

— as it looks in the app

VIII

English, हिन्दी, ગુજરાતી

Built for every generation: large readable text, familiar words and clear confirmations.

  • Switch language any time
  • Large touch targets and high contrast
  • Status words, not just colours — “Overdue” says Overdue

Every home's financial diary

हर घर की फाइनेंशियल डायरी

દરેક ઘરની ફાઇનાન્સિયલ ડાયરી

Due todayUpcomingOverdue

— as it looks in the app

Turn the page. Same entry, kept properly.

  1. 1
  2. 2
  3. 3
  4. 4

01 · Money given

Rahul bhai — ₹1,00,000

1% monthly

interest from 1 Aug

ब्याज कब?

Keep scrolling to turn the page

In KutumbLekha

Money given

Rahul Patel

₹1,00,000 · 1% per month

₹3,000

Interest · 3 months pending

Due today

Saved once. Reminded on time.

02 · Policy renewal

Health policy renew — Oct?

Health policy renew — Nov?

agent's number — ??

Keep scrolling to turn the page

In KutumbLekha

Insurance

Health policy renewal

Family floater

₹18,400

Renews 12 Nov · agent saved

Upcoming

Saved once. Reminded on time.

03 · Bill & warranty

Fridge bill — warranty till Mar '27

service no. in drawer?

drawer = ?

Keep scrolling to turn the page

In KutumbLekha

Bill & warranty

Refrigerator · 340 L

invoice-fridge.pdf · Authorised service centre

Warranty ends 14 Mar 2027

Saved

Saved once. Reminded on time.

04 · EMI

Home loan EMI — 5th every month

₹24,850 — how many left?

Keep scrolling to turn the page

In KutumbLekha

Loan · EMI

Home loan EMI

Instalment 84 of 240

₹24,850

Due 5 Nov

Upcoming

Saved once. Reminded on time.

Follow the line

Interest that counts itself, month after month.

Each month the reminder shows how many months are pending and the total. Dismiss keeps the interest pending. Mark settled records the payment. Nothing is ever overwritten.

  1. Aug

    1 Aug

    Interest starts

    ₹1,000 / month

    ₹1,00,000 given to Rahul Patel at 1% per month. That is ₹1,000 each month, counted from the start date you chose.

  2. Sep

    1 Sep

    1 month pending

    Interest from Rahul

    ₹1,000

    The reminder arrives. Not paid yet, so you tap Dismiss. The reminder goes away — the interest stays pending.

    • Aug · ₹1,000
    DismissDue todayStays pending

  3. Oct

    1 Oct

    2 months pending

    Interest from Rahul

    ₹2,000

    Next month’s reminder counts for you: two months, one total. Dismiss again and it keeps counting.

    • Aug · ₹1,000
    • Sep · ₹1,000
    DismissDue todayStays pending

  4. Nov

    1 Nov

    3 months pending

    Interest from Rahul

    ₹3,000

    Rahul pays ₹3,000. Tap Mark settled to record the payment. It clears the oldest months first — Aug, then Sep, then Oct.

    • Aug · ₹1,000 (cleared)
    • Sep · ₹1,000 (cleared)
    • Oct · ₹1,000 (cleared)
    Mark settledSettledPayment recorded · nothing pending

Every reminder, one tidy list

Interest, EMIs, renewals and warranties in date order — with a status word on every line, not just a colour.

Upcoming

tap a box to try it

  • Interest from Rahul

    ₹3,000

    3 months pending

    TodayDue today

  • Home loan EMI

    ₹24,850

    Instalment 84 of 240

    5 NovUpcoming

  • Health policy renewal

    ₹18,400

    Family floater

    12 NovUpcoming

  • Refrigerator warranty

    Ends — service contact saved

    14 MarUpcoming

Remind me

The family register

One book per purpose. Everyone in their right place.

Keep a Space for each part of life and invite family members by email. Personal records stay private unless you share them, and the activity log shows who added or settled what.

  • Personal
  • Family
  • Parents
  • Business
  • Rental Property
  • Child Education

  • Owner

    Full control of the Space

    • YesSee records
    • YesAdd & update
    • YesManage Space

  • Admin

    Manages the Space and its members

    • YesSee records
    • YesAdd & update
    • YesManage Space

  • Editor

    Adds and updates records

    • YesSee records
    • YesAdd & update
    • NoManage Space

  • Viewer

    Sees what is shared, changes nothing

    • YesSee records
    • NoAdd & update
    • NoManage Space

Invite to Family

Role

Send invite

Papa can add entries — not change the Space.

Dada, Mummy, and you

Made for every generation.

English, हिन्दी and ગુજરાતી, with familiar words and a language switch that is always one tap away.

  • Large, readable text

    Words sized for reading glasses, not for squinting.

  • Big touch targets

    Buttons wide enough for a thumb, with clear confirmations before important actions.

  • Status words, not just colours

    “Overdue” says Overdue — in English, Hindi or Gujarati.

हर घर की फाइनेंशियल डायरी

राहुल से ब्याज

3 महीने बाकी

₹3,000

आज देय

अभी नहींचुकता करें
  • आज देय
  • आने वाला
  • समय निकल गया

Privacy, minus the jargon

Your book stays yours.

Seven plain promises about who can open the family book, and what KutumbLekha never does.

  1. Private by default

    Your Personal Space is yours alone. Nothing is shared until you choose to share it.

  2. Access enforced on the server

    Every record and document is checked against your Space membership before it is returned.

  3. Documents behind short-lived links

    Bills and policies sit in private storage and open only through short-lived links after your access is checked.

  4. Encrypted in transit

    Everything between your phone or browser and KutumbLekha travels over TLS.

  5. Remove a member, access ends

    When someone leaves a Space, they lose access to its records and documents straight away.

  6. History is never overwritten

    Repayments and interest payments are added as entries, so you can always see how a balance was reached.

  7. We don’t move money

    KutumbLekha is not a bank or UPI app. It keeps records and reminders — your money stays where it is.

How to begin

Three steps. Chai is optional.

  1. 1

    Sign in with your email

    Enter your email and the 6-digit code we send. No password to remember.

  2. 2

    Add what you already track

    Money given, a loan, a policy or a bill. Start with one record — your Personal Space is ready.

  3. 3

    Invite the family

    Create a Family Space and choose who can view and who can edit.

Asked at home

Questions, answered plainly.

Shubh aarambh

Start your family's lekha.

Close the diary tonight knowing the dates will remember themselves — the interest, the renewal, the EMI and the warranty. Peace of mind, kept in one private place.

Start your family's diaryLog in

Records and reminders only — KutumbLekha never moves your money.