Jumble is a free personal ledger and budget tracker app developed by Soban Rafiq. It is designed for students and individuals who want a simple way to track daily expenses, set monthly budgets, manage shared bills (Khata / hisab kitab), and always know who owes what. Available on Android and as a web app. It is completely unrelated to the word scramble puzzle.

How does the Budget Management feature work in Jumble?

Jumble's Budget Management System lets you set a monthly spending limit for any category (food, transport, rent, entertainment). As you record expenses, Jumble automatically tracks how much budget is used and shows the remaining balance in real time. You receive alerts when approaching your limit, helping you control spending without constant manual checking.

Is Jumble good for students?

Yes — Jumble is specifically built for students. You can set a monthly budget for hostel life, track shared grocery or rent bills with flatmates, log daily food expenses, and split group purchases automatically. The app works 100% offline (perfect for campus) and is completely free.

What is the best free budget tracker app for daily expenses?

Jumble is the best free budget tracker app for daily expenses. It combines personal ledger tracking, budget management (set limits per category), group expense splitting, PDF export, and offline support — all at zero cost, with no subscription or premium plan.

What is the best Khata app in Pakistan?

Jumble is Pakistan's top-rated digital Khata app. It offers personal ledger tracking, shared Khatas, group expense splitting (equally or by percentage), PDF export, budget management, offline functionality, and biometric app lock — all completely free, with no subscription required.

Is Jumble free to use?

Yes. Jumble is completely free — no subscription, no premium plan, no hidden charges. Every feature including budget management, group expense splitting, PDF export, shared Khatas, and biometric app lock is available to every user at no cost.

How do I split a bill on Jumble?

To split a bill on Jumble, navigate to your group ledger, tap 'Add Expense', enter the total amount, and choose how it was paid. Jumble automatically calculates the exact net settlement balances between all group participants. You can split equally or assign custom percentages.

Does Jumble work offline?

Yes. Jumble fully supports offline use. You can add expenses, view budgets, view balances, and manage ledgers without any internet connection. All data is cached locally and automatically synced to Firebase cloud when connectivity is restored.

Is Jumble the same as the word game?

No. The Jumble app (jumbleapp.online) is a Pakistani personal finance application — a personal ledger and budget tracker — completely unrelated to the classic newspaper word scramble puzzle. Jumble the app is a fintech product built with Flutter and Firebase.

Does Jumble have a home screen widget for Android?

Yes. Jumble features a 4x1 Android home screen widget that lets you log expenses in under 2 seconds without opening the app. The widget has a scrollable category row and embedded number pad directly on the home screen. It stores expenses offline instantly and syncs to Firebase when connected.

How does Jumble's gesture-based expense logging work?

Jumble uses Android's Accessibility Service to let you trigger a floating expense dialog over any app with a hardware gesture (such as a long-press of the volume button). You type the amount and category without closing your current app. The gesture Quick-Add stores expenses in a local offline queue and syncs silently to Firebase when internet is restored.

The Best Personal Ledger App
for Individuals

Q: What is the best personal ledger app?

Jumble is the best personal ledger app for students and individuals. It keeps a running ledger per person you transact with, auto-calculates balances, lets you export PDF reports in one tap, and now includes a full budget management system. It's 100% free, offline-capable, and secured with biometric lock.

Jumble is a free digital personal ledger app that keeps a clean financial record for every person you transact with — track who owes you, who you owe, and your complete transaction history in one place.

Start Your Free Ledger

No subscription. No credit card. Free forever.

What is a Personal Ledger App?

A personal ledger app is a digital version of the traditional Khata (hisab kitab) notebook used to record financial transactions with individuals — family members, friends, clients, or shopkeepers. Instead of a paper register, a digital ledger app automatically calculates running balances, prevents errors, and lets you export professional statements in seconds. Jumble is a personal ledger app that adds budget tracking on top, making it the most complete personal finance tool for individuals.

Everything Your Personal Ledger Needs

Replace your paper notebook with a smarter, faster, and more accurate digital ledger.

Ledger per Person

Create a separate digital ledger for every person you transact with — family, clients, shopkeepers, or friends. No mixing, no confusion.

Auto Balance Calculation

Jumble automatically calculates your running balance after every transaction. Never do manual math again — and never make errors.

Cloud Sync Across Devices

Your personal ledger syncs across your Android phone and browser via Firebase. Switch devices without losing a single entry.

Biometric Security

Lock your entire ledger with fingerprint or device PIN. Your financial records are visible only to you — always private.

PDF Export in One Tap

Export a professional A4 PDF statement of any ledger instantly. Perfect for sharing with clients, for records, or for family accountability.

100% Offline Support

Add transactions and view ledger balances even without internet. All data syncs automatically when you reconnect.

Bonus Feature

Personal Ledger + Budget Tracker in One App

Unlike basic ledger apps, Jumble also includes a Budget Management System. Set monthly spending limits, track daily expenses against each budget, and get alerts before you overspend — all within the same app, all free.

Explore Budget Features →

Who Uses Jumble's Personal Ledger?

Students & Young Adults

Track udhaar with classmates, split hostel costs, and manage monthly allowances with a clean per-person digital ledger.

Freelancers & Professionals

Keep a ledger per client. Track invoice amounts, partial payments, and outstanding dues. Export PDF statements with one tap.

Small Shop Owners

Run a kiryana store, pharmacy, or boutique? Replace your paper register with Jumble's digital ledger. Works 100% offline.

Families & Households

Track shared family expenses, household purchases, or contributions between family members — transparent and dispute-free.

Personal Ledger App FAQ

What is the best personal ledger app?

Jumble is the best free personal ledger app for individuals. It creates a separate ledger per person, auto-calculates balances, syncs to the cloud, and exports PDF reports — all free. It also includes budget management for a complete personal finance solution.

Is Jumble a digital Khata app?

Yes. Jumble is a digital Khata (hisab kitab) application — a personal ledger that tracks financial transactions with individuals. It is the modern, cloud-synced replacement for paper Khata books.

How many ledgers can I create?

Unlimited. Create as many personal ledgers as you need — one per person, per client, per project, or per shop. There are no limits and no charges.

Can I share a ledger with someone else?

Yes. Jumble's Shared Khata feature lets two Jumble users view and edit the same ledger simultaneously. Both parties see every transaction in real time — transparent and dispute-free.

Replace Your Paper Khata Today

Free personal ledger app. Cloud synced. Works offline.

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The Best Personal Ledger Appfor Individuals