How Khata actually works
Manual entry, on purpose
Khata never connects to your bank account. You add every transaction yourself. This is slower than automatic bank-sync apps, but it means your financial data isn't shared with a third-party sync provider, and it keeps Khata free to run.
What Standard vs. Islamic mode actually changes
Both modes use the same zero-based budgeting underneath. Switching to Islamic mode reveals the Zakat calculator on your dashboard and is intended to help you track no-interest financial principles. It doesn't change your data — it changes what's shown and calculated.
How the Zakat estimate is calculated
The calculator uses the standard formula: 2.5% of net zakatable wealth (cash, savings, and investments, minus short-term debts), only if that net wealth is at or above the Nisab threshold. You choose whether Nisab is based on the gold standard (87.48g) or the silver standard (612.36g), and enter the current price yourself — Khata doesn't fetch live gold/silver prices, so the figure is only as current as what you enter.
This is a general estimate, not a religious ruling. Zakat has situational details — business assets, agricultural produce, differing scholarly opinions — that a simple calculator can't fully capture. For your specific circumstances, please confirm with a qualified local scholar.
What happens to your data
Your transactions and budgets are stored securely and are only visible to your account. Khata doesn't sell or share your financial data.
How this stays free
Khata doesn't charge for the core budgeting features. If that changes for optional extras in the future, it will be clearly marked and never required for the basic ledger.