KhataGHAR is a private, zero-cloud financial operating system engineered for individuals, households, and family offices who demand 100% privacy, mathematical ledger precision, and institutional-grade wealth tracking.
Unlike traditional finance apps that store your financial history on corporate cloud servers, scrape your SMS messages, and spam you with credit card calls, KhataGHAR never connects to an external database. Every rupee, bank balance, property deed, and SIP transaction is encrypted client-side in your browser using AES-256-GCM derived from PBKDF2-SHA256 (600,000 iterations).
- Single-Holding Consolidation: Monthly SIP installments in Nippon Small Cap, UTI Nifty 50, or Sovereign Gold Bonds merge into a single master holding.
- Granular Tranche Tracking: Tracks purchase dates, invested capital, unit quantity, NAV, and individual lot returns.
- Instant Market Revaluation: Updating the current NAV instantly revalues all accumulated units across all historical lots.
- Asset Investments (
Invest): Debits your bank account and credits your asset holdings—your net worth remains completely intact without fake expense losses. - Debt Paydowns (
Pay Debt): Debits cash and reduces your loan balance directly. - Ledger Rollback: Deleting or modifying a transaction automatically reverses the corresponding account balance, asset tranche, or loan balance.
- 1-Click Balance Reconciliation: Instantly synchronizes account balances against your verified transaction ledger.
- Coercion Resistance: Configure a secondary Duress PIN. If forced to unlock your vault, entering the Duress PIN decrypts a realistic decoy ledger with mundane pocket balances (₹2,500 cash, grocery & chai expenses), completely hiding your high-value real estate, gold, stocks, and confidential documents.
- Runway Analysis: Computes real-world household runway (e.g. 18.4 months) by unwinding historical credit card debt and bank flows backwards month-by-month.
- Savings Rate Intelligence: Measures your true savings rate and discretionary burn ratio.
- Prepayment Simulator: Shows exactly how much interest you save and how many years you shave off your home loan or car loan by paying an extra ₹2,000 or ₹5,000/month.
- Opportunity Cost Comparison: Compares the savings of debt prepayment against compounding that same money in an equity index SIP.
- Khata & Udhar Tracking: Track money lent, borrowed, or held in custody for friends, family, and domestic staff with full settlement histories.
- Multi-Member Accounting: Separate individual personal spending from joint household pools.
- Store encrypted scans of property deeds, PAN cards, insurance policies, and wills locally inside your browser storage.
| Security Layer | Implementation | Benefit |
|---|---|---|
| Encryption Algorithm | AES-256-GCM (Authenticated) | Tamper-proof, cryptographically unreadable without your master key |
| Key Derivation | PBKDF2 (SHA-256, 600,000 iterations) | Exceeds OWASP 2024 security standards against GPU brute-force |
| Password Policy | High-Entropy Enforcement | Rejects weak and moderate passwords; ensures brute-force immunity |
| Network Footprint | Zero HTTP Network Requests | No telemetry, no analytics tracking, no external server calls |
| Storage Engine | Encrypted IndexedDB via Dexie.js | Fast, offline-first storage capable of holding 100,000+ records |
| Duress Mode | Dual-Key Decoy Camouflage | Zero visual hint that a duress mode was triggered |
- Node.js 18+
- npm or pnpm
# 1. Clone the repository
git clone https://github.com/Krrish1411/khata-ghar.git
cd khata-ghar
# 2. Install dependencies
npm install
# 3. Start local development server
npm run dev
# 4. Build production bundle
npm run buildTo preview the Essentials Mode vs Pro Vault Mode interface without altering your database:
- Navigate to the project root.
- Double-click
test_ui.htmlto open it in any web browser. - Test toggling between the clean beginner layout and institutional master modules.
KhataGHAR is licensed under the MIT License. Free and open-source for personal and community financial sovereignty.