OkCredit
Free digital credit ledger app for Indian shopkeepers to track customer dues and send reminders.
Updated · AppBreakup editorial · Android, iOS, Web
Is OkCredit free?
Free plan, plus paid plans
- Starting price:
- ₹30 for 30 days (Unlimited Transactions)
- Free plan:
- Yes, with ads
Checked on OkCredit's site Nov 8, 2026
Full OkCredit pricing and plansSwitch from OkCredit to
All 5
VyaparStarting price: ₹699 a year (Silver, mobile)
myBillBookStarting price: ₹3,490 a year, billed annually (Plus)
SwipeFree plan + paid
- Verified facts
- 7 of 7
- Alternatives ranked
- 5
- Approved reviews
- 0
- Visits sent from here
- 0
About OkCredit
OkCredit replaces the paper bahi khata that many Indian shops use to record goods sold on credit. A shopkeeper adds customers from their phone contacts, logs each credit or payment in a few taps, and the app keeps a running balance per customer. Customers get an SMS for each entry and can be sent reminders over SMS or WhatsApp with a UPI link, so they can pay through GPay, PhonePe or Paytm and the ledger updates. It works offline, backs entries up online, runs in 11 Indian languages and can also be used from a web browser at the counter. The basic plan is free with unlimited customers and entries; paid premium plans remove ads and add multi-device use, GST billing and more SMS reminders. It is aimed squarely at small Indian retailers such as kirana, pharmacy and hardware stores rather than at businesses that need full double-entry accounting.
Best for: Indian shopkeepers who sell on credit and want to replace a paper khata with a phone app.
OkCredit pricing (checked Nov 8, 2026)
Each line is quoted from OkCredit's own site, with the page it came from.
| Plan or term | What it says | Checked | Source |
|---|---|---|---|
| Free plan | Yes, with ads | Nov 8, 2026 | okcredit.in |
| Starting price | ₹30 for 30 days (Unlimited Transactions) | Nov 8, 2026 | okcredit.in |
| Ads Free++ plan | ₹75 for 30 days | Nov 8, 2026 | okcredit.in |
| Premium plan | ₹99 for 30 days | Nov 8, 2026 | okcredit.in |
Pros and cons
What works
- Free plan covers unlimited customers and entries
- Automatic SMS and WhatsApp payment reminders with UPI links
- Works offline and in 11 Indian languages
Why people leave
- A credit ledger, not full accounting or tax filing
- Built for India; little use for shops elsewhere
- GST billing and multi-device use need a premium plan
OkCredit vs Vyapar, myBillBook and Swipe
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
| Attribute | OkCredit | Vyapar | myBillBook | Swipe |
|---|---|---|---|---|
| Pricing | Free plan + paid | Free plan + paid | Paid | Free plan + paid |
| Verified price | ₹30 for 30 days (Unlimited Transactions) | ₹699 a year (Silver, mobile) | ₹3,490 a year, billed annually (Plus) | — |
| Free plan | Yes, with ads | Yes, lifetime free on mobile, limited access | No | Yes |
| Open source | No | No | No | No |
| Self-hostable | No | No | No | No |
| Platforms | Android, iOS, Web | Android, iOS, Windows | Android, iOS, Web, Windows | Web, Android, iOS |
Top OkCredit alternatives
See all 5- 1Vyapar68.8
Adds GST billing and inventory on top of credit tracking, for shops that have outgrown a simple khata.
- 2myBillBook64.8
Indian billing app with invoices, stock and party ledgers when you need proper GST bills as well.
- 3Swipe61.8
Fast GST invoices shared on WhatsApp, with payment tracking, for shops that bill as well as lend.
- 4
TallyPrime59.4Full Indian accounting and GST compliance once the business needs an accountant-grade system.
- 5
Zoho Books57.5Cloud accounting with GST support and customer statements, for growing businesses in India.
Why people left OkCredit
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
No switching stories yet. If you moved away from OkCredit, review the app you switched to and tell us why.
Reviews
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OkCredit: common questions
What is OkCredit?
OkCredit: Free digital credit ledger app for Indian shopkeepers to track customer dues and send reminders. Best for indian shopkeepers who sell on credit and want to replace a paper khata with a phone app. Available for Android, iOS and Web.
Is OkCredit free?
OkCredit has a free plan and paid plans. Free plan: Yes, with ads (checked on OkCredit's own site).
How much does OkCredit cost?
OkCredit is free with paid plans. Free plan: Yes, with ads; Starting price: ₹30 for 30 days (Unlimited Transactions); Ads Free++ plan: ₹75 for 30 days; Premium plan: ₹99 for 30 days. Checked on OkCredit's own site, November 2026.
Is OkCredit open source?
No, OkCredit is not open source.
What platforms does OkCredit run on?
OkCredit is available for Android, iOS and Web.
What are the best alternatives to OkCredit?
The highest-ranked OkCredit alternatives right now are Vyapar, myBillBook and Swipe. See the full ranked list for pricing, platforms and verified facts.
OkCredit vs Vyapar: what's the difference?
Both OkCredit and Vyapar are free with paid plans. Verified prices: OkCredit ₹30 for 30 days (Unlimited Transactions), Vyapar ₹699 a year (Silver, mobile). Only OkCredit runs on Web. Only Vyapar runs on Windows.