Hisab360 - Account Book

Hisab360 — know exactly where your money is, where it goes, and what you truly own. Most money apps list transactions and stay vague about what you want to know: what is mine, what is owed, what that month really cost. Hisab360 answers those explicitly. WHAT IS YOURS, AND WHAT IS ONLY WITH YOU Money a relative holds for you counts toward what you own. Money you hold for somebody else does not, however long it sits there. Hisab360 keeps the two apart at the account level, so your net worth is a number you can stand behind. HONEST COLOUR Red means money genuinely left. Green means it genuinely arrived. Moving money between your own accounts is neither, so it stays neutral — a transfer never masquerades as spending. BALANCES, DERIVED Balances are worked out from your entries, never stored and nudged. Count a wallet, and any difference is booked as a named correction rather than absorbed in silence. LOANS, BOTH DIRECTIONS What you have lent and what you owe, person by person, with a running balance and every payment kept. One screen per person shows both directions, never netted into one number. BILLS THAT DO NOT DRIFT A recurring bill is computed from the day it is due, never from the day it was last paid. One due on the 31st lands on 28 February, then back to 31 March rather than creeping earlier each month. Miss three months and you owe three months. A BUSINESS ON ITS OWN BOOK Keep a business without a second app. It can pay from your personal accounts — most small ones do — while its ledger and reports stay out of yours, and its worth is reported beside your net worth, never inside it. WAGES, AND WHO DREW WHAT Put the people who bill the business on a roster with their rate. A wage becomes a cost on the day the work was done, not the day it was paid, so what you owe is never flattered by what you have not sent. Partner draws sit below the line, not among the costs. Reversed, the same machinery tracks hours a client has not paid you for. REPORTS WORTH READING In and out for any period. Where it actually went. Profit and loss, split into wages and running costs. Who owes whom, per person. Every account and person has a statement of its own. PROJECTS AND COLLECTIONS Set money aside for a project and see what it really cost, or run a collection for a cause with its own pot, contributors and total. ZAKAT, WORKED OUT Set your hawl year and the nisab on the day it closes, and Hisab360 totals every asset that counts — gold and silver by weight, money owed to you if you count it. What scholars differ on is left to you. The arithmetic is not. ENCRYPTED BEFORE IT IS STORED Every amount, name and note is sealed with AES-256 before it reaches the database, under a key belonging to your account alone — and that key is itself wrapped by a key the database never holds. A dump, a backup or a stolen disk gives up nothing readable, and one key per account means a break-in is one ledger, not everybody's. This is not end-to-end encryption, and the app will not pretend it is: the server adds up your balances, so it can open what it stores. Your phone's copy is encrypted too, under its own key in the device keystore. NOTHING IS WATCHING YOU No ads. No analytics. No crash reporter. No third-party trackers. No location, no contacts, no SMS, no advertising ID. Nothing counts what you tap, and your ledger is never sold or traded. WORKS WITHOUT A SIGNAL What you have already loaded still reads with no connection, and an entry made offline sends itself the moment you are back. YOUR LANGUAGE, YOUR CURRENCY The whole app in English or Bangla, with Bengali numerals and lakh-crore grouping if you want them. Ten currencies, each with its own decimals, all reported in the one you chose. YOURS TO CLOSE Delete your account from inside the app: it stops working at once, and everything in it is erased 30 days later — with those 30 days to change your mind. The last thing destroyed is your key, so whatever lingers in a backup stays shut.