Comparison

Khata Tracker vs Refrens Invoice maker Bill App

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Khata Tracker

This app combines personal finance tracking with comprehensive business accounting tools. Manage daily expenses, create professional invoices, track inventory, and generate financial reports. It's designed for both individuals and small businesses, offering features like offline access and team management.

Highlights
  • Personal finance tracking
  • Business accounting
  • Professional invoicing
  • Inventory management
  • Financial reporting
  • Offline access
  • Team management
Features
Read full description

Khata Tracker Business Ledger Book – Personal Finance & Business Accounting in One App Most finance apps make you choose — personal budgeting or business accounting. Khata Tracker does both, without compromising on either. Whether you run a shop, freelance, or manage a growing team, your bookkeeping, GST/VAT invoicing, POS billing and expense tracking are all right here. Stay organised. Save time. Focus on growing your business. No accounting expertise needed. Works offline. Free to start. —————————————————— FOR YOUR PERSONAL FINANCES —————————————————— PERSONAL EXPENSE TRACKER - Track daily income and expenses and see exactly where your money goes each month. Weekly, monthly and yearly visual reports show your spending habits clearly. EXPENSES PER PERSON - Track shared costs with family, friends or colleagues — so nothing gets forgotten or awkward. PERSONAL + BUSINESS SEPARATED - Keep personal and business money completely separate but both visible in the same app. PAYMENT SCHEDULE TRACKER - Track recurring payments, instalments and due dates. Know exactly what is due and when — so nothing gets missed. ———————————————————— FOR YOUR BUSINESS ACCOUNTING ———————————————————— INVOICING & BILLING - Create professional invoices with VAT, GST or Sales Tax support. Send quotations, manage purchase orders, and handle credit/debit notes easily. RETAIL POS BILLING SYSTEM - Generate fast bills with the built-in Point of Sale system — faster checkout, no separate hardware needed. KHATA ACCOUNT & LEDGER BOOK - Record udhaar (credit given or taken). Separate ledgers for customers and suppliers with accurate opening and closing balances. INVENTORY MANAGEMENT - Add products with or without tax pricing. Get low stock alerts before you run out — not after. See which items are making you profit. CASH & BANK MANAGEMENT - Track petty cash, bank accounts and digital wallets in one place. REPORTS & BUSINESS INSIGHTS - Profit & Loss, Balance Sheet, Daybook and Item-wise Profit reports. Export to PDF with custom date filters — ready for your accountant whenever they ask. PAYMENT REMINDERS - Track pending payments and send reminders to customers through SMS or WhatsApp directly from the app. TEAMS & ROLE MANAGEMENT - Add staff, assign permissions and monitor changes with audit logs. HRMS & FIELD EMPLOYEE TRACKING - Manage attendance, leave, employee records, field visits, locations and daily activities from one place. SECURITY & DEVICE MANAGEMENT - Protect your account with Face ID and App Lock. View and manage the devices connected to your Khata Tracker account. CLOUD SYNC & SECURITY Secure cloud backup across supported devices — private and protected. WORKS OFFLINE Use supported features offline and sync automatically when you are back online. ————————————— WHY KHATA TRACKER? ————————————— • Personal expense tracking and business accounting in one app • GST, VAT and Sales Tax invoicing built right in • Khata and udhaar tracking for every customer and supplier • Full bookkeeping — ledger, reports, inventory and POS • HRMS — employee management, attendance and field tracking • Payment schedule and instalment tracking — never miss a due date • No accounting skills needed • Trusted by shops, kirana stores, freelancers and growing businesses ——————————————————————— FREE TO START. UPGRADE AS YOU GROW. ——————————————————————— Start with essential personal and business management tools for free. When your business needs more, affordable plans unlock advanced inventory, full invoicing, POS billing and cloud sync. - Monthly Plan — flexible, cancel anytime - Yearly Plan — best value for growing businesses - Mobile Only Plan — lighter plan for solo users - Lifetime Plan — pay once, yours forever Subscriptions renew automatically unless cancelled at least 24 hours before the renewal date. Manage anytime in Apple ID Settings. Terms of Use: https://khatatracker.com/terms-conditions Privacy Policy: https://khatatracker.com/privacy-policy

About

Refrens Invoice maker Bill App

Create professional invoices, quotations, and bills in seconds with this smart accounting software. Manage payments, track overdue invoices, and generate financial reports. Simplify your business operations with features like automated reminders and direct sharing options.

Highlights
  • Invoice and bill generation
  • Quotation and proforma invoice creation
  • Automated payment reminders
  • Direct WhatsApp & email sharing
  • Financial reporting
  • Sales CRM features
  • Team access controls
Features
Read full description

Refrens is a smart accounting software to create Quotation, invoice, bill, credit/debit note within 30 seconds and no prior setup required. 150K+ businesses across 178+ countries have simplified their day-to-day business operations with refrens. TOP FEATURES: Invoice generator, Quotation maker, E-invoice, E-way bill, quotation, reports, Automated payment reminders, Direct WhatsApp & email sharing, Multi-currency invoice, free invoice, Vyapar Billing, Track overdue invoice, invoice template, Team access controls, Lead capture/contact us forms, Lead, invoicing, taxes, Sales CRM, Financial reports, accounting software (Balance sheet, P&L, Income Statement, etc.), and more. Detailed Features: 1.INVOICING & BILLING: • Document Creation: Create Invoice, Quotation, Proforma Invoice, Sales Orders, Purchase Orders, Credit Notes, Debit Notes, Delivery Challans, Expenditures using Invoicing Quotation billing App. • Customizations: Customized free invoice templates, free invoice fields, formulas, fonts, colors, headers, footers according to your business needs and brand guidelines. • Payment Tracking & Reminders: Record & track invoice payments on this free invoice generator and quotation maker app. Send automated payment reminders for overdue invoice to get paid faster. • Quick Sharing Options: Share invoice over WhatsApp/Email. Download as PDF, Take a printout, or share via a link directly through invoicing software. • 1-click Document Conversion: Convert a quotation into a free invoice/sales order/purchase order in 1-click, convert an invoice into a credit note/debit note/delivery challan in 1-click using Invoice Quotation billing App! • Recurring Invoice: Create & share recurring free invoice & expenses automatically and enjoy hassle free invoicing. 2. REPORTING & COMPLIANCE: • Accounting Payable & Receivable Reports: Generate all types of accounting receivable & accounting payable reports including HSN reports, Tax reports, Client reports, Vendor reports, Payment reports. • Financial Reports: Generate Balance Sheet, Trial Balance, P&L, Income Statement, Daybook, & other financial reports. • Product/Project Profitability Reports: Invoice maker generate Product-wise profitability reports, Project-wise profitability reports. • Compliance: E-invoice free, E-way bill, GST Reports, Audit trails. • Advanced Accounting: Automatically create ledgers & vouchers, pass journal entries, generate financial reports. 3. SALES CRM • Sales Pipelines: Manage leads across multiple sales pipelines, assign lead to the right salesperson, track lead across different stages with this invoicing software. • Centralise Lead Communication: Follow up with lead over WhatsApp & email, quickly send emails with pre-set free invoice template, add internal notes for record-keeping. • Lead Capture Forms/Contact Us Forms: Create Forms to capture lead • Sales Reports: Get detailed sales reports. • Third-party integrations: Integrate with third-party platforms • Inventory Management: Record, track, and manage all your incoming & outgoing inventory items with ease. Automatically update the stock count whenever you create a free invoice, quotation, bill & expense. 4.EXPENSE MANAGEMENT • Record, track, and manage all your expenses such as business purchases, employee salaries & reimbursements and more. Keep track of total/paid/due expenses with ease. Generate accounts payable reports such as vendor reports, invoice, Quotation, payment, tax reports with invoice generator and billing app. Use free invoicing software for invoice generator, quotation maker, billing app, CRM & accounting software! Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.refrens.com/privacy-policy

Screenshots

Khata Tracker4 screens
Refrens Invoice maker Bill App4 screens

Verdict

The call

The clearest difference is ads: Refrens Invoice maker Bill App at none against Khata Tracker's shown. Refrens Invoice maker Bill App also leads on review sentiment (91% vs 67%). Khata Tracker's advantage is ratings volume (555 vs 52). On price, rating, update cadence and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Khata Tracker sells 5 in-app purchases, starting at $2.99 per month and Refrens Invoice maker Bill App sells 8 in-app purchases, starting at $19.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.6 for Khata Tracker against 4.6 for Refrens Invoice maker Bill App. That said, the two scores are not equally well evidenced: Khata Tracker has 555 ratings behind it against 52, so its average is the more settled of the two. Written reviews are what separate them: 67% of Khata Tracker's written reviews are positive against 91% of Refrens Invoice maker Bill App's.

UpkeepUpdate frequency

Khata Tracker ships an update fortnightly, Refrens Invoice maker Bill App every 2 weeks. The most recent releases landed on November 7, 2026 and November 11, 2026 respectively.

Scorecard3 real differences · 7 level
Khata Tracker versus Refrens Invoice maker Bill App: the parameters behind the verdict, then further details
ParameterKhata TrackerRefrens Invoice maker Bill App
PriceFreeFree
Rating4.6 (555 ratings) — better4.6 (52 ratings)
Positive reviews67.3% of reviews91.4% of reviews — better
Number of ratings555 — better52
Update frequencyFortnightlyEvery 2 weeks — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.115.1
Further details — not scored
Size78 MB75 MB
Age rating4+4+
DeveloperANJU SIIMA TECHNOLOGIES PRIVATE LIMITEDRefrens Internet Pvt Ltd

Customer experience

Khata Tracker

All ratings555 ratings
Positive89.7%
Neutral4.7%
Negative5.6%
Written reviews113 reviews
Positive67.3%
Neutral8.8%
Negative23.9%

Refrens Invoice maker Bill App

All ratings52 ratings
Positive90.4%
Neutral3.8%
Negative5.8%
Written reviews35 reviews
Positive91.4%
Neutral2.9%
Negative5.7%

Bugs and requests

Khata Tracker

Reported bugs

5 issues
  • Keyboard stagnation during OTP verification
  • Data not syncing between iPhone and iPad after going pro
  • Data loss if phone is lost or changed
  • Change tracking not working properly
  • Advertisements interrupting user experience

Requested features

7 requests
  • Due book/balance due reporting feature
  • Download transaction details option
  • Enhanced category details with filtered transactions
  • Account balance summary across all accounts
  • More transaction category icons (bank, groceries)
Show 2 more
  • Cross-device data synchronization
  • HD photo storage for bill uploads

Refrens Invoice maker Bill App

Not enough reviews yet to summarise bugs or requests.

In-app purchases

5 purchases

Khata Tracker

Subscriptions3
  • Gold Plan$2.991 Month
  • Pro Plan (Mobile Only)$12.991 Year
  • Diamond Plan$24.991 Year
One-time2
  • Pro User Access$9.99
  • Platinum Plan (Lifetime)$89.99
8 purchases

Refrens Invoice maker Bill App

Subscriptions8
  • Accounts Lite2 variants$19.991 Month
  • Lite$21.991 Month
  • Plus$35.991 Month
Show 5 more
  • Advance$47.991 Month
  • Accounts Lite2 variants$49.993 Months
  • Lite$65.993 Months
  • Plus$107.993 Months
  • Advance$143.993 Months

Questions

Is Khata Tracker free?
Khata Tracker is free to download, with in-app purchases available.
Is Refrens Invoice maker Bill App free?
Refrens Invoice maker Bill App is free to download, with in-app purchases available.
Which has better reviews, Khata Tracker or Refrens Invoice maker Bill App?
Khata Tracker is rated higher. Khata Tracker averages 4.6 out of 5 from 555 ratings, while Refrens Invoice maker Bill App averages 4.6 from 52 ratings.
Do Khata Tracker or Refrens Invoice maker Bill App have ads?
Khata Tracker shows ads; Refrens Invoice maker Bill App does not.
Which is updated more often, Khata Tracker or Refrens Invoice maker Bill App?
Khata Tracker ships an update fortnightly, and Refrens Invoice maker Bill App every 2 weeks. Most recently, Khata Tracker was updated on November 7, 2026 and Refrens Invoice maker Bill App on November 11, 2026.

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