Kharcha

Kharcha is a personal finance ledger built for everyday money management — fast to use, precise with your numbers, and designed to work even when you are offline.

TRACK YOUR MONEY
• Log income, expenses and transfers between accounts
• Calculator-style keypad for quick entry
• Categories, subcategories and flexible tags
• Attach optional receipt photos
• Recurring transactions for rent, salary and subscriptions

SEE THE FULL PICTURE
• Dashboard with net worth, monthly stats and recent activity
• Account balances always calculated from your ledger — never guessed
• Reports: spending breakdown, cash flow trends and category insights
• Search and filter transactions by date, amount, category and notes

STAY IN CONTROL
• Budgets with progress tracking and alerts at 50%, 75%, 90% and 100%
• Debts and lending — track what you owe and what others owe you
• Savings goals with progress and contributions
• Home screen widgets for balance, budget and quick add

SMART INSIGHTS
• AI-powered spending summaries and Ask AI questions about your finances
• Privacy-first: only aggregated summaries are sent for AI — not your full transaction history

SECURE & PRIVATE
• Optional fingerprint or face unlock
• Sign in with Google to sync securely across devices
• Your data stays on your phone; cloud sync is optional
• Request account deletion at any time

Kharcha does not process payments, link to banks or move real money. It is a personal tracker to help you understand where your money goes.

Questions or account deletion: aashukumar3140@gmail.com
Privacy policy: https://sites.google.com/view/kharcha-privacy