Home makers often encounter challenges in managing their finances with issues such as a lack of spending freedom, the vulnerability of stashing cash in various places, difficulties in planning personal savings, and the discomfort of being scrutinised due to hidden statements. Digi Khata provides freedom from these dilemmas. With guilt-free and controlled spending, our approach eliminates emotional baggage associated with financial decisions. We present a hassle-free experience with instant account opening, no paperwork, an instant virtual card and UPI handle, and transactions exclusively through a user-friendly mobile app—without the necessity of linking any additional accounts.