Instant Entry Logging
Tap "You Gave" or "You Got", type the amount, add a note โ done in under 3 seconds. No category selection, no form filling. The AI figures out the context.
Know exactly who owes you โ and who you owe โ with AI clarity.
SpenzaBook is Spenzaa's built-in credit ledger. Give money, get money, manage suppliers โ and let AI remind, predict and protect your cash flow automatically.
Works offline ยท No account needed for contacts ยท 100% private
โน0Hidden fees ever
3 secTo log an entry
AIReminds for you
โContacts & ledgers
Why businesses need a smart business ledger
Many businesses still rely on handwritten khata books, notebooks or spreadsheets to manage credit transactions. While these methods may work for a small number of customers, they quickly become difficult to manage as the business grows.
Business owners often face challenges such as forgotten payments, misplaced records, delayed collections, missed supplier due dates, and hours spent manually calculating balances. These small issues can gradually affect cash flow, customer relationships and overall business efficiency.
SpenzaBook simplifies this by giving you one centralized platform to manage every customer, supplier, payment and outstanding balance โ so you always know exactly where your business stands.
โฆ The ConceptYour business runs on trust.
Your business runs on trust.
SpenzaBook makes it visible.
Every time you give credit to a customer or receive goods on account from a supplier, money moves without changing hands. SpenzaBook captures that invisible flow โ and makes sure nothing slips through.
- One tap to record a "gave money" or "received money" entry
- Separate ledgers for customers (debtors) and suppliers (creditors)
- AI-generated reminders so you never have an awkward chase conversation
- Real-time balance for every contact โ never do mental math again
- Attach bill photos, voice notes or invoice numbers to any entry
โฆ Customer Ledger
Every rupee given โ tracked, reminded, recovered.
Stop relying on memory or notebooks. SpenzaBook's customer ledger gives you a clear, permanent record of every credit transaction.
You (Business)
โ gave โCustomer owes you
โ pays back โSettled โ
AI-Timed Reminders
Instead of spamming contacts, SpenzaBook's AI studies payment patterns to pick the exact day and hour each person is most likely to respond. Gentle, smart, effective.
Contact Credit Score
Each customer gets a hidden reliability score based on how quickly they pay. You see a simple traffic-light indicator โ green, amber or red โ so you know who to trust.
Bill & Receipt Attach
Snap the invoice, select from camera roll, or generate a digital receipt inside the app. Every entry has a paper trail without paper.
Private by Design
Only you and the specific contact can see their own ledger entries. No other customer sees your business relationships. End-to-end encrypted and offline-first.
One-Tap Share
Send a statement directly to a customer via WhatsApp, SMS or email โ beautifully formatted, showing all entries and the net balance. No PDF export needed.
The reminder that doesn't feel like one
SpenzaBook replaces "bhai paisa de do" with a system that's polite, timely and actually works.
๐ฌ
WhatsApp Smart Reminder
AI crafts a personalized message using the customer's name and exact balance โ sent at the moment they're most likely to open it.
๐ฑ
SMS Fallback
If WhatsApp is unread for 24 hours, an SMS goes out automatically. No manual follow-up from you, ever.
โฆ
Escalation Pausing
AI detects if a contact is going through a rough patch (missed multiple payments) and pauses reminders โ protecting your relationship, not just your money.
โฆ
SpenzaBook AI says:
"Ravi Kumar has paid within 72 hours on 8 of his last 10 entries. He's due โน2,500. Sending a WhatsApp reminder on Thursday at 11 AM gives you an 84% recovery probability."
SpenzaBook continuously analyzes payment history to identify useful trends. Over time, the AI helps you understand:
- Average payment time
- Frequently overdue customers
- Regular payment behaviour
- Outstanding balances
- Collection trends
- Best time to send reminders
โฆ Supplier Ledger
Never miss a supplier payment โ or overpay one.
Track every purchase you make from every supplier. SpenzaBook keeps a running account of what you owe, alerts you before payment deadlines, and even spots which supplier is charging you more than market rate.
- Log purchases (what you bought) and payments (what you paid)
- AI compares your per-unit costs across suppliers over time
- Payment due date alerts โ never pay a late fee again
- Monthly purchase summary per supplier, exportable to PDF
- Attach delivery notes or invoices to every purchase entry
โฆ Reports & Cashbook
Your business finances, on one screen.
SpenzaBook automatically builds reports from every entry. No accountant. No spreadsheet. Just clarity.
June Cash FlowAI Report
Net position+โน11,200 ahead
โฆ
AI predicts you'll collect โน8,400 more before month end if reminders go out today.
Date-Range Reports
Filter by day, week, month or any custom range. See who gave, who got, and the net for any period โ instantly.
Multiple Business Ledgers
Run two shops? A side business? Create separate ledger books for each. Completely isolated data, one app.
Auto Cloud Backup
Every entry syncs to the cloud instantly. Switch phones, reset your device โ your entire ledger is restored in seconds.
Up and running in 60 seconds
No training. No onboarding video. Just open and go.
1
Add a contact
Pick anyone from your phone contacts or type a name. No phone number required. SpenzaBook creates their ledger page instantly.
2
Log the entry
Tap "You Gave" (credit you extended) or "You Got" (payment received). Add amount, an optional note and a bill photo. Done in 3 taps.
3
Let AI handle the rest
SpenzaBook monitors overdue balances, schedules reminders at optimal times, and gives you a daily digest of your business's credit health.
โฆ Built For Every Business
Who should use SpenzaBook?
Every business keeps records differently, but the goal is always the same โ knowing who owes money, what's due, and how healthy your cash flow is.
Retail Stores
Track customer credit, monitor outstanding balances, and keep daily sales organized without relying on handwritten khata books.
Grocery & Kirana Shops
Manage regular customers, recurring purchases and supplier payments while maintaining accurate ledgers for every transaction.
Pharmacies & Medical Stores
Record customer credit, organize supplier invoices, and stay on top of medicine purchases and payment schedules.
Restaurants & Cafรฉs
Track vendor purchases, ingredient suppliers, and business expenses while maintaining better control over cash flow.
Hardware & Building Material Shops
Manage contractor accounts, supplier purchases and long-term customer credit from one centralized ledger.
Freelancers & Service Professionals
Keep track of client invoices, partial payments, pending balances and project-related transactions without accounting software.
Wholesaler, distributor, agency or workshop โ SpenzaBook simplifies financial record keeping for small and growing businesses of every kind.
โฆ Why SpenzaBook
A ledger that thinks โ not just records.
Traditional khata apps store data. SpenzaBook acts on it.
| Feature | SpenzaBook | Traditional Ledger Apps | Paper Khata |
|---|---|---|---|
| AI-timed reminders | โ | โ | โ |
| Contact reliability score | โ | โ | โ |
| Supplier cost comparison AI | โ | โ | โ |
| Cash flow prediction | โ | โ | โ |
| Bill photo attachment | โ | โ | โ |
| Works offline | โ | โ | โ |
| Multiple ledger books | โ (unlimited) | Limited | โ |
| Expense + ledger in one app | โ (Spenzaa) | โ | โ |
โฆ App Screens
Designed for the way Indian businesses actually work
Dark mode first, works in low light, readable at a glance โ even with oily fingers after a long shift.
โฆ Security & Privacy
Your business data belongs to you.
Business records contain valuable financial information โ SpenzaBook is built with privacy and security at its core.
Secure Encryption
Every transaction is protected using industry-standard security during storage and transmission.
Automatic Cloud Backup
Every transaction syncs safely, so your ledger restores instantly on any new device.
Offline First
Keep recording customer and supplier transactions even when connectivity is limited.
Private by Design
Your ledger belongs to you. Customer records stay separate, and your business information stays protected.
SpenzaBook โ your questions answered
Is SpenzaBook different from the main Spenzaa expense tracker?
Yes โ but they work together. Spenzaa tracks your personal and business expenses (bills, subscriptions, income). SpenzaBook is the ledger layer: it handles credit you extend to customers and purchases you make from suppliers. Both live inside the same app, with a shared AI engine and cloud backup.
Does the customer see my other business contacts or amounts?
Never. Each contact can only see entries you share with them directly. The ledger is private by default โ only you see the full picture across all contacts.
Can I use SpenzaBook for personal lending too (friends & family)?
Absolutely. It works just as well for "I lent my friend โน500" as for formal business credit. The AI reminders are optional โ you can turn them off for personal contacts and handle it yourself.
What happens if I lose my phone?
Nothing is lost. SpenzaBook syncs every entry to your Spenzaa cloud account in real time. Log into the app on a new device, and your entire ledger restores instantly.
How does the AI decide when to send a reminder?
It analyzes the contact's historical response patterns โ what day and hour they've responded in the past, how quickly they typically pay, and how overdue the balance is. It then picks the single best moment to send, rather than a fixed time like most apps.
Can I attach invoices and receipts?
Yes. You can attach invoices, bill photos, delivery notes and reference numbers to individual ledger entries for better record keeping and faster verification later.
Can I manage multiple businesses?
Yes. Create separate ledger books for different businesses, shops or branches while keeping every record completely independent โ all from one account.
Can I generate business reports?
Yes. SpenzaBook automatically creates reports showing collections, outstanding balances, supplier payments and overall cash flow โ filterable by any date range.
Is SpenzaBook free?
The core ledger โ unlimited contacts, unlimited entries, bill photos and basic reports โ is free forever. AI-timed reminders, contact credit scores, supplier cost comparison and advanced cash flow prediction are part of the Spenzaa Pro plan.
โฆ SpenzaBook + Spenzaa
Your expense tracker and business ledger โ one app.
Stop switching between apps. SpenzaBook lives inside Spenzaa โ personal finance and business credit, under one AI engine.