About
It reads the statement you already get. Nothing else.
cardkhata takes the statement your issuer already emails you, unlocks the PDF, and turns it into months you can actually compare. That is the whole product.
Why it exists
Three cards means three password-locked PDFs and no single answer. The EMIs and fees you lose track of are scattered across them.
What it does
Forward a statement email — every transaction categorised, every EMI rebuilt, every fee itemised, across all your cards.
What it keeps
The extracted rows — transactions, EMIs, fees. The PDF stays encrypted until parsed, then it is deleted.
Who it’s for
Built for the Indian market — statements from Indian card issuers, amounts in rupees.
What it never asks for
No bank login, no OTP, no full card number. cardkhata only ever sees the statement you forward — nothing to link, nothing to hand over.
Who built it
Ankit Bhardwaj, a software engineer who has always built small tools for his own use. cardkhata started as one of them — three cards, three password-locked PDFs, and no single answer to where the money went. It is now built for anyone with the same problem. XIRR Ledger and Qiyas came out of the same habit.
Questions about any of this? Get in touch.