Free tool
How old is your udhaar?
Everyone knows their total. Almost nobody knows its age — and the age is the number that decides whether you get paid. Put in what each customer owes and since when, and see the shape of it.
Takes about two minutes No sign-up, nothing to install
Nothing here is sent anywhere. The whole calculation runs inside your browser, and what you type is saved only on this device so a refresh does not lose it. “Clear everything” deletes that copy.
What the buckets actually mean
An ageing schedule is not a scoreboard. It is a reading of how your credit behaves, and each band asks for a different response.
0–30 days
This is just trading
Credit inside a month is the cost of doing business on a street where everyone gives it. Chasing here annoys good customers and buys you nothing. Leave it alone.
31–60 days
The habit forms here
A customer who slides past a month once will slide past it again, because nothing happened the first time. One friendly message — no threat, no drama — is usually the whole intervention. This is the cheapest point at which to act.
61–90 days
Stop adding to it
Past two months, ask for a date rather than a payment; a date is something a person can agree to. It is also the point to quietly stop extending more credit to the same account, because a growing balance is harder to clear than a fixed one.
Over 90 days
Take part of it
Older than ninety days, the realistic question is not whether you are paid in full but whether you are paid at all. A part payment now, agreed without a row, beats the whole amount promised indefinitely. And treat this bucket as the real cost of your credit policy — not a run of bad luck.
The number to watch month to month
Not the total — the weighted average age, which this tool shows next to it. A total that stays flat while the average age climbs means you are collecting the new credit and letting the old credit rot. That pattern is invisible on a paper bahi, which is most of the reason it goes on for years.
Common questions
- What is udhaar ageing?
- Ageing sorts what you are owed by how long it has been owed, rather than by who owes it. The total on your khata tells you the size of the problem; the ageing tells you whether there is one. ₹80,000 spread across three weeks is an ordinary week's trading. The same ₹80,000 sitting past ninety days is money you are unlikely to see in full.
- Why 30-day buckets?
- Because that is the split every accountant, auditor and bank already uses for a debtors ageing schedule. If you take these numbers to any of them, they will read them without translation. It is also roughly the rhythm of a shop's own credit cycle.
- Does this send my customer data anywhere?
- No. Every calculation runs in your browser, and there is no request to any server — you can disconnect from the internet after the page loads and it still works. What you type is saved only on the device you typed it on, so a refresh does not lose it, and the Clear button deletes that copy.
- Do I need the Khata app to use this?
- No. It is free and open to anyone, with no sign-up. The app matters when you get tired of typing this in by hand — it keeps the ledger as you bill, so the ageing is always current rather than something you sit down and reconstruct.
- What counts as a bad sign?
- Two things. If more than about a fifth of what you are owed is past 60 days, credit is leaking rather than turning over. And if the weighted average age climbs month after month, you are giving credit faster than you are collecting it, even when the total looks flat.
- Can I send the reminder in Hindi or Nepali?
- Yes. Choose the language above the table and every reminder is rewritten in it. If you have entered a phone number, WhatsApp opens with the message already typed; otherwise you can copy it. The wording stays deliberately soft — collecting the money is only half the job when you also want to keep the customer.
Doing this by hand once is useful. Twice is a waste.
The app keeps the ledger as you bill, so the ageing is already current whenever you look at it — and the reminder goes out without you retyping a name. It is free on Android and iPhone.
Related reading: ageing of receivables, party ledger and moving off a paper bahi.