Start with a name.
Add someone to your personal ledger. Keep a record just for yourself, even if they don’t use Ghar.
GHARFor the “I’ll get this one.”Coming soon to the App Store Ghar / Personal ledger
Little IOUs.
Good friends.
All remembered.
The tickets you booked. The lunch they covered. Keep a clear record of what you owe and what you’re owed, without scrolling back through the chat.
Your own record, or a linked ledger for two.
BETWEEN YOU & MAYA
The little things
add up.
You covered the ticketsMaya’s share
+$40Maya got your lunchYour share
−$18You paid for the taxiMaya’s share
+$12Maya owes you$34 AUD
An example ledger. Just the shares owed, not the full bills.
A little less to keep in your head
From “I owe you”
to all square.
Write down the little things.
Record an IOU when you cover something or borrow money. Keep the amount and what it was for together, so you can make sense of the balance later.
Keep the balance clear.
See what you owe or what you’re owed. Record a payment when you settle up, so the ledger reflects where things stand.
Inside Ghar / FriendsA record that stays between you
Keep it personal.
Share it with one.
Start with a private record only you can see. When you want a shared view, invite your friend to link the ledger. Your private notes stay yours.
- Separate balances for each friend
- Private until you link a ledger
- A history behind every balance
- No shared house needed
The details, kept clear
Before the
next “my treat.”
Does my friend need Ghar?
You can keep an unlinked ledger by yourself. Your friend only needs an account if you want to link the ledger and share it between the two of you.
Who can see my ledger?
An unlinked ledger is visible only to you. A linked friend ledger is visible to the two people sharing it. Your housemates don’t get access just because you share a house.
Is this the same as adding a friend?
Ghar’s social connections and personal ledgers serve different purposes. A friend connection helps you find someone; a linked ledger gives the two of you a shared record of your IOUs.
Can I use it without joining a house?
Yes. The personal ledger works independently of houses and trips. You can use Ghar just to keep track of money between you and a friend.
Does Ghar send the payment?
No. You pay each other using your usual payment method, then record the payment in Ghar. The ledger keeps track of the money; it does not transfer it.
Remember the favour. Record the amount.