Beta is live
Two households.
One clear picture.
OurKhata is a private money ledger for couples and housemates who keep their own money but share some costs.
Demo needs no signup. It's deleted after 24 hours.
Split
Balance with Sam
Sam owes you
$120.00
Shared this month
- Groceries +$115.00
- Internet +$28.00
- Hydro −$23.00
The tangle
Who paid for what?
Groceries on one card, hydro on the other, takeout someone forgot to mention. Keeping it fair usually means a mental tally, a long message thread, or a spreadsheet that drifts out of date.
One ledger
One ledger for the costs you share.
Mark a cost as Split and it joins your shared ledger. Everything else stays where it was.
- 50/50 or your own percentage, set per item.
- A running balance of who owes whom.
- A monthly view of everything you split.
- Settle-up payments recorded, bringing you back to even.
- Split from your phone. The Split screen is made for small screens.
| Item | Paid by | Amount | Split | Balance |
|---|---|---|---|---|
| Groceries | You | 230.00 | 50/50 | Sam owes 115.00 |
| Hydro | Sam | 46.00 | 50/50 | You owe 23.00 |
| Internet | You | 70.00 | 60/40 | Sam owes 28.00 |
| Settle-up | Sam | 120.00 | n/a | Even |
Statements in
Your bank statement, sorted.
Upload a CSV statement from your bank. OurKhata skips duplicates, fills in categories from your own history, and flags anything unclear so you can review it.
Statements from Canadian banks
- TD
- RBC
- CIBC
- Capital One
- PC
- GROCER #1032 Oct 3 −84.20 Groceries
- GROCER #1032 Oct 3 −84.20 Duplicate, skipped
- E-TRANSFER 4471 Oct 5 −120.00 Needs review
- CITY HYDRO Oct 7 −96.00 Utilities
Privacy
Your accounts stay yours.
Each person or household keeps its own accounts, private. The only costs that cross over are the ones each of you chooses to split.
-
Linked by a private request
You become partners only when one of you asks and the other accepts. No login yet? The request doubles as an invite: one link to create their own private household, then accept.
-
Shared by choice
Only the costs each of you adds as Split appear in the shared ledger.
-
You choose what they see
Each household decides what its partner sees, including whether its cash, debts and spending appear in the shared yearly plan.
-
A tidy way out
Unlinking is only possible once you are settled, and your shared history stays read-only.
Together
A yearly plan you build together.
Sit down once a year and work through your couples' plan in ten steps: your incomes and a fair split, monthly limits, reminders for bills, your goals, and a view of the mortgage. Then print it as a PDF.
- Incomes and a fair split
- Monthly limits
- Bill reminders
- Goals
- Mortgage view
Then, once a month, a money date.
One page to look at together: how you are doing against your limits, where the split stands, and which bills are coming up.
The rest of the toolkit
Everything else you need.
Your own day-to-day money lives in the same app, next to the shared ledger.
-
Accounts and net worth
Bank accounts, credit cards, loans, investments and property, adding up to one net worth.
-
Transactions
Categories, tags and rules keep every transaction in its place.
-
Monthly budgets
A budget for each category, month by month.
-
Multi-currency
Accounts and transactions in more than one currency.
-
CSV import
Statements from TD, RBC, CIBC, Capital One and PC.
-
Works on phones
The Split screen is phone friendly, so shared costs can go in from wherever you are.
Questions
Plain answers.
Is my data private from my partner?
Yes. Your accounts stay in your own household. Your partner sees only the costs you add as Split, plus whatever your household chooses to show in the shared yearly plan.
Do we need a joint account?
No. OurKhata is made for people who keep their own money. Each of you keeps your own accounts, marks the costs you share, and the ledger keeps track of who owes whom.
Which banks can I import from?
You can upload CSV statements from TD, RBC, CIBC, Capital One and PC. Duplicates are skipped, categories are filled in from your history, and unclear ones are flagged for review.
Is it free during beta?
Yes. OurKhata is free while it is in beta.
Can I try it first?
Yes. Try the demo opens a private sample account with two linked households, sample transactions and a shared plan. It's deleted after 24 hours.
Can we split something other than 50/50?
Yes. Each item can be split 50/50 or by a custom percentage.
What happens if we stop sharing?
You can unlink once your balance is settled. Your shared history stays available, read-only.
Your turn
Start your shared ledger.
The beta is open. Signup is by invite for now: join the waitlist and we'll email you an invite link.
Not ready to join? Try the demo, no signup needed.
Already have an account? Log in