Terms of Use
Last updated 20 September 2026
What Kharcha is
Kharcha is a personal expense tracker. It records what you tell it and what it reads from your own bank messages, and shows you your own spending. That is all it claims to be.
What Kharcha is not
Kharcha is not financial advice, accounting software, or a substitute for your bank's own records. It does not move money, hold money, lend money, or connect to your bank. It reads notification messages your bank already sent to your phone.
Your bank statement is the authority, not Kharcha. Message formats change, messages get missed, and a parser can read a number wrongly. Detected spends wait for your approval precisely because the app does not expect to be trusted blindly. Do not use Kharcha as your only record for anything that matters — tax, disputes, or reconciliation.
Free
Kharcha is free to use. There is no paid tier. If one is ever introduced, what is free today stays free, and the app will never be funded by advertising or by selling your data.
Your data and your responsibility
- Your records live on your phone. If you do not sign in, that is the only copy — losing the phone loses the data. Signing in adds a cloud backup.
- You are responsible for keeping your account credentials safe.
- Deleting your account deletes your data, immediately and permanently.
Privacy is covered separately in the privacy policy, which is the more important document of the two.
No warranty
Kharcha is provided as-is, without warranty of any kind. It may contain bugs, it may misread a message, and it may be unavailable. To the extent permitted by law, the author is not liable for any loss arising from its use, including any financial decision made on the basis of what it displays.
Acceptable use
Do not use Kharcha to break the law, and do not attempt to use it to access anyone else's data.
Changes
Material changes will be shown in the app before taking effect. Continuing to use Kharcha after that means you accept them.