the biggest difference
No ads. Ever.
ExtinctBook opens to your customer list. No 15-second wait. No full-screen promotion. No subscription required to remove ads. The app you need is the first thing you see.
the honest comparison
ExtinctBook vs OkCredit: which free khata app actually works at your counter?
OkCredit was the simplest khata app in India — until it started showing unskippable full-screen ads before you can record an entry. Here is a feature-by-feature comparison with no marketing fluff.
what happened
Why OkCredit users are looking for alternatives
Unskippable ads before every session
OkCredit's free tier now shows 10–15 second full-screen ads before the app opens. When a customer is standing at your counter and three people are behind them, a 15-second ad is not a minor inconvenience — it breaks the workflow at exactly the wrong moment.
OkNivesh (P2P lending) shut by RBI
OkCredit's peer-to-peer lending product was discontinued after new RBI regulations tightened the P2P lending space. The company's expansion bets haven't all worked out, and the ad model is the revenue fallback.
OkShop (digital storefront) already shut in 2022
OkCredit's attempt to build a digital storefront for kiranas closed in April 2022. The focused bookkeeping tool has been accumulating the weight of failed adjacent bets.
WhatsApp reminders without payment links
OkCredit's standard free-tier reminders are text messages — the customer sees the amount but has no direct way to pay from the message. The reminder creates awareness but not payment action.
side by side
Feature-by-feature comparison
Last tested: June 2026, OkCredit Android app and published pricing page. OkCredit's features and subscription pricing change — verify current terms at okcredit.app before deciding. We update this table quarterly.
| Feature | ExtinctBook | OkCredit |
|---|---|---|
| Ads in the app | ✓ None — ever | ✗ Unskippable 10–15s full-screen (free tier) |
| WhatsApp reminders | ✓ Automatic, with payment link | ✗ Text only, no payment link (free tier) |
| Entry speed at counter | ✓ 4 taps max, no delays | ✗ Delayed by ads before app opens |
| Daily profit summary | ✓ One tap, home screen | ✓ Available, not prominent |
| Offline-first sync | ✓ Full offline, auto sync | ✗ Partial |
| Free tier scope | ✓ Unlimited customers + entries, no ads | ✗ Ad-supported; premium removes ads |
| Loan / lending products | ✓ Not offered | ✗ OkNivesh discontinued (RBI); limited products |
| iOS app | ✓ Coming soon (waitlist open) | ✓ Available |
| Data encryption | ✓ Transit + at rest | ✓ Available |
| Hindi interface | ✓ Full Hindi + Hinglish search | ✓ Hindi available |
where it matters
Three places ExtinctBook does it differently.
the collection difference
Reminders with payment links
ExtinctBook sends WhatsApp reminders with an embedded payment link. The customer taps and pays — no phone call, no shop visit, no typing a UPI ID. OkCredit's free-tier reminders are text-only.
the counter difference
4 taps to record an entry
Customer, amount, type, confirm. That's it. No ad delay, no upsell screen, no navigation maze. When there's a queue, every second at the counter costs you real money.
the verdict
Who should use which?
choose ExtinctBook if...
You want ad-free, focused tools.
- ✓You need the app to open instantly at a busy counter — no 15-second ad wait.
- ✓You want WhatsApp reminders that include a payment link, not just a message.
- ✓You want a genuinely free app with no ads and no upsell to remove them.
- ✓Your internet is unreliable — offline-first is non-negotiable.
- ✓You don't need loans or P2P lending from your khata app.
OkCredit might suit you if...
You already have the subscription.
- →You already pay for OkCredit's premium plan and the ads are removed.
- →You have an iOS device and need an app available right now (ExtinctBook iOS is in development).
- →You have a very small number of customers and rarely open the app.
ready to switch?
How to move from OkCredit to ExtinctBook in 20 minutes
1
Export your data from OkCredit
Go to Settings in OkCredit and look for the export or backup option. Download your customer list and balance report to Excel.
2
Install ExtinctBook and create your shop profile
Download from Google Play. Enter your shop name and verify your phone number. Takes under 5 minutes.
3
Add customers with opening balances
Add each credit customer with their current outstanding balance as the opening entry. You don't need full transaction history — just the current balance.
4
Start fresh from today
All new entries go into ExtinctBook. Keep OkCredit installed for 2 weeks in case you need to reference old transaction history.
no ads. no commitment.
Try ExtinctBook free — opens to your customer list, not an ad.
Unlimited customers, unlimited entries, WhatsApp reminders with payment links. Android live now. iOS waitlist open.
before you decide
Frequently asked questions.
Why does OkCredit show full-screen ads now?
OkCredit's revenue model shifted to advertising after its P2P lending product (OkNivesh) was shut due to RBI regulations and its digital storefront (OkShop) closed in April 2022. The app is now ad-supported, which means unskippable full-screen ads before you can reach the khata.
Is OkCredit still free?
The core khata is free but ad-supported. A subscription removes ads and unlocks some premium features. ExtinctBook is fully free with no ads, no subscription required — unlimited customers, unlimited entries, WhatsApp reminders with payment links.
Can I switch from OkCredit to ExtinctBook?
Yes. Export your data from OkCredit (Settings → Export), note each customer's current balance, then add them in ExtinctBook with that balance as the opening entry. Takes about 20 minutes for 50–80 customers. Keep OkCredit installed for 2 weeks as a reference for old entries.
Does ExtinctBook have WhatsApp payment links?
Yes. Every reminder ExtinctBook sends includes an embedded payment link. The customer taps, pays directly — no phone call, no shop visit needed. OkCredit's free-tier reminders are text-only with no payment link.