See where the month went
Top categories, your daily average and what each event cost — month by month, or the whole year.
₹417a day, on average
A private expense tracker for India
Your money.
Your business.
Kharcha turns the bank, card and UPI messages already on your phone into a calm record of where your money goes. Read on your phone. Never uploaded. Never sold.
- Coming soon on Google Play
- Free
- No ads
- No account needed
- Works offline
Sound familiar?
Tried a money app?
Then came the calls.
A money app sees the most revealing record of your life there is. Too often the loan offers and “pre-approved” cards start soon after. Kharcha has no advertisers, no arrangement with anyone who lends money, and nothing to sell. It doesn’t even ask for your phone number.
How it works
Bank SMS in.
Expenses out.
Your bank already texts you for every payment. Kharcha reads those alerts on your phone, picks out the amount, the merchant and the card, and lines them up for you to check. Nothing is added until you say so.
-
01
Your bank sends an alert
AD-MYBANK Rs.450.00 debited from A/c XX1234 to VPA swiggy@icici on 06-10-26.Card, UPI and bank alerts — the ones already in your inbox.
-
02
Kharcha reads it, on the phone
- Amount
- ₹450.00
- Merchant
- Swiggy
- Paid with
- UPI ••1234
No server, no AI service. Messages from people are skipped.
-
03
You review. It’s added.
Swiggy₹450.00Food & DiningIgnoreAddAuto-add is there if you want it — off until you turn it on.
Features
Everything you need.
Nothing you don’t.
Two taps to add
Cash or anything the SMS missed: amount, category, how you paid. Done.
Cards and bill cycles
Spends sorted by card, and what’s due on each credit card this cycle.
My Bank Credit•• 4821
This cycle ₹8,340
Money with friends
Lent, borrowed or gifted — your own note of who’s settled up.
- Rahulowes you ₹1,200
- Priyasettled
Trips, weddings, festivals
Group the spends that belong together and see what the whole event cost.
Goa tripDiwaliWedding
No signal? No problem.
Everything runs on your phone. No internet needed, and no account needed to start.
How it helps
Built for the money questions
you actually have.
01 · Credit card bills
Check your card bill before you pay it.
Every card spend Kharcha finds is filed under the card it was paid with, matched by its last four digits. Tell it the day your bill cycle starts and it totals each cycle — so when the statement arrives, you compare one number instead of forty lines.
- Cards set themselves up. A card appears the first time its bank texts you, named by bank and last four digits. You can add one by hand too.
- Every cycle, totalled. Open any of your last 13 cycles: each spend to the paisa, with refunds taken off the total.
- Catch what doesn’t belong. Flag a charge you don’t recognise to raise with your bank, and see card payments that haven’t been matched to a card yet.
02 · Money with friends
Never lose track of who owes whom.
Lent a friend money for concert tickets? Borrowed for a cab? Note it in Friends and Kharcha keeps a running balance with each person. It’s your own record — Kharcha never messages anyone.
- Lent, borrowed or gifted. Each with a date and a note, like “Dinner at Toit”.
- Part payments, as they come. Record ₹500 back today and the rest next week — the balance updates itself.
- Settle up, or let it go. Mark it settled or write it off as a gift, and see what friends owe you and what you owe, at a glance.
03 · Everyday spending
Know where every rupee went.
Bank messages fill in most of the month; cash takes two taps. Insights then turns it into answers — for a month, or the whole year.
- Categories that fit your life. Make your own, with an icon and a colour.
- Events tag themselves. Create “Goa trip” with its dates and every spend in that window is tagged — so you see what the whole trip cost.
- How you paid, too. Cash, UPI, credit or debit card, split card by card.
- Nothing slips through. Review what SMS found, ask “Missed an expense?” to see bank messages that didn’t become one — and why — and set a daily reminder.
Everything in the app
The full list.
- Reads bank SMSCard, UPI and bank alerts become expenses — read on your phone.
- Review queueNothing is added until you approve it. Turn on auto-add if you’d rather.
- “Missed an expense?”See bank messages that didn’t become an expense, with the reason.
- Two-tap addCash or anything else, in seconds.
- Your own categoriesCreate and edit them, with icons and colours.
- EventsTrips, weddings and festivals, tagged automatically by date.
- InsightsMonth or year: categories, events, daily average, how you paid.
- Card bill cyclesA total for each cycle, refunds subtracted, the last 13 cycles.
- FriendsLent, borrowed, gifted, part payments and settle-up.
- SearchFind a spend in the month by merchant, note, card or amount.
- Edit historyEarlier versions of an expense are kept when you change it.
- Daily reminderOne nudge a day, at the time you choose.
- Works offlineNo internet and no account needed.
- Encrypted backupOptional, stored in India, locked with your own password.
- FreeNo ads, no in-app purchases, nothing sold.
Private by design
Nothing sold.
Nothing shared.
Every privacy page claims privacy. This is the list you can check, line by line, against our privacy policy.
- Your bank messages
- Never leave your phone
- Analytics, telemetry, ads
- None
- Advertising ID
- Not used
- Contacts, location, photos
- Never asked for
- Data sold or shared
- Nothing
- Account to use it
- Not needed
- App update check
- App version, device type and IP, to Expo
- Your expenses
- Only if you sign in for backup
Optional backup
Back it up,
locked with your password.
- Stored in India. Your backup lives in Google Cloud’s Delhi region, and only your account can read it.
- Your own password. Merchants, notes and friends’ names are encrypted on your phone before upload.
- Plainly stated limits. Amounts, dates and categories stay readable to the storage provider. This is not end-to-end encryption of everything.
- Nobody can reset it. The password is never uploaded. Forget it and the encrypted fields in the backup are gone — your phone’s records are not.
The film
See it in 38 seconds.
The real app
Calm. Clear. Yours.
Questions
Fair questions.
Is Kharcha free?
Yes. No ads, no in-app purchases, no subscription. If that ever changes, it will be announced before it applies to you.
Does it read my personal messages?
No. Messages from ordinary phone numbers are skipped before the app’s own code sees them. Business messages are checked for transaction details, and anything that isn’t a bank alert is discarded. SMS access is optional — the app works fully without it.
Is my SMS uploaded anywhere?
Never. Reading and interpreting happen inside the app, on your phone. If you turn on backup, only what Kharcha creates is backed up — the expense and the card it was paid with — never the message.
Do I need an account?
No. Kharcha works fully without one, and your records stay on your phone. An account only adds the optional backup, so a lost phone isn’t lost data.
Which banks does it understand?
Kharcha reads the standard card, UPI and account alerts that Indian banks send. Formats vary, so always check what it shows against your statement — and “Missed an expense?” helps you catch any it didn’t recognise.
Does it reconcile my card statement or remind me of due dates?
No. Kharcha totals each bill cycle and lists every spend and refund in it, so you can compare that total with your statement yourself. It doesn’t read your statement, track due dates or mark bills as paid.
Can I set budgets or track income?
Not yet. Kharcha is about where your money goes: everyday spending, card bills and money with friends.
Is it on iPhone?
Not yet. Kharcha is for Android, because reading bank SMS needs Android’s permission model.
How do I delete my data?
In the app: More → Settings → Erase your data. You can erase this phone, the backup, or everything including your account. Without the app, see how to delete your account.
Early access
Be first in line.
Kharcha is in closed testing. Leave your email and you’ll hear the day it’s on Google Play — or get in early as a beta tester.
Coming soon on Google Play · in closed testing now