Step four
Take it with you
The point of a ledger is that it can leave the room. Download the statement, or mint a link your flatmate can open and check instead of taking your word for it.
Take it with you
These are plain links to GET /api/export?format=…, so they work from a terminal too. The CSV carries a UTF-8 byte-order mark so a spreadsheet opens the currency column correctly.
Send it to the other person
A share link renders a read-only statement anyone with the URL can open, with the balances, the transfer plan and the seal. It is the argument-ending artefact: they can check the number instead of believing it.
Building the statement…
What this is not
khata is a bookkeeping tool. It records what people in one household tell it and computes the arithmetic between those records. It is not a financial adviser, it does not tell you what to buy, and a settlement it produces is an agreement between people rather than a judgement about money. If two people cannot agree on what happened, khata cannot settle that — it can only show what was recorded, when, and whether the record still matches its own seal.