Terms of Use
Last updated 7 October 2026
These terms apply to the Kharcha app and this website, made by Shubham Jangid, an individual developer in India. By using Kharcha you agree to them. If you don't agree, please don't use it.
Who can use Kharcha
You must be 18 or older. By using Kharcha, and by creating an account, you confirm that you are.
What Kharcha is
A personal expense tracker. It records what you enter and what it reads from bank messages on your own phone, and shows you your own spending.
What Kharcha is not
- Kharcha is not a bank, payment app, lender, NBFC or account aggregator. It does not move, hold or lend money, does not connect to your bank, and is not regulated by the RBI or SEBI.
- It gives no financial, tax, investment or legal advice.
- The Friends tab is only your own note of money between you and people you know. Kharcha takes no part in those arrangements and does not contact anyone.
- Bank and card names appear in the app only to label your own cards. Kharcha is not affiliated with or endorsed by any bank.
Your bank statement is the authority
Message formats change, messages can be missed, and an amount or merchant can be read wrongly. Check what Kharcha shows before relying on it, and don't use it as your only record for tax, disputes or reconciliation.
Your data and your account
- Without an account, your records exist only on your phone; losing or resetting the phone loses them.
- With an account, a backup is kept as described in the Privacy Policy. You are responsible for keeping your email and password safe.
- If you turn on backup encryption, nobody can recover a forgotten encryption password. Encrypted fields in the backup are then lost.
- If you record other people in Friends, you are responsible for having a fair reason to note their name and for keeping only what you need.
- You can delete your data and your account at any time, as described in the Privacy Policy.
Price
Kharcha is free. There are no in-app purchases and no ads. If that ever changes, it will be announced before it applies to you.
Acceptable use
Don't use Kharcha to break the law, to access anyone else's data or account, or to interfere with the service.
Updates
Kharcha may update itself, including over the air when the app starts, to fix problems and improve it. Features may change or be removed.
No warranty
Kharcha is provided "as is" and "as available", without warranties of any kind, to the extent permitted by law. It may contain errors, may misread a message, and may sometimes be unavailable.
Limitation of liability
To the extent permitted by law, I am not liable for any indirect or consequential loss, or for any loss arising from decisions made on the basis of what Kharcha shows. Nothing in these terms limits liability that cannot be limited by law, including for fraud or gross negligence.
Ending
You can stop using Kharcha and delete your account at any time. I may suspend or close an account that breaks these terms, after telling you where possible.
Changes
If these terms change in a way that matters, the new version will be published here and announced through an app update before it applies to you. Continuing to use Kharcha after that means you accept the new terms.
Law
These terms are governed by the laws of India, and the courts of India have jurisdiction.