Kharcha

Kharcha - SMS-native expense tracking

Your bank already send you SMS alerts for every transaction. Kharcha just reads those texts.

No server. No backend. Just on-device parsing of the SMS your bank already sends you.

HOW IT WORKS:

- Read the debit & credit SMS from your inbox (one-time permission)
- Auto-extract amount, merchant, and date
- Auto-categorize based on sender and merchant patterns
- Review pending transactions before they're saved
- Manually add transactions if you want
- Everything stays on your phone

WHAT YOU GET:

- Fast, daily spending overview with a 30-day heatmap
- Full transaction ledger with search and filters
- Spending insights: by day, week, month, year, or custom range
- Category breakdown and top merchants
- Monthly budget tracking
- Recategorize merchants; we learn and apply it everywhere
- See the exact SMS we parsed for every transaction

WHY KHARCHA?
Manual expense trackers fail, you forget to log things and give up after a week. Bank-sync apps work but feel sketchy. Giving a third party read access to your actual bank accounts is a lot to ask.

Kharcha threads the needle. The SMS from your bank is already on your phone. Parsing it locally means:
✓ Zero backend (no servers reading your money)
✓ Zero sync headaches (your data, your phone)
✓ Zero privacy concerns

PRIVACY-FIRST ARCHITECTURE:
- On-device SQLite. Period.
- No cloud sync.
- If your phone is lost, your data is lost—that's the tradeoff.
- You see the raw SMS we parsed. Verify us.

WORKS WITH:
HDFC, ICICI, Axis, SBI, Kotak, and all UPI payments (Google Pay, PhonePe, Paytm, etc.)

Android 10+. Free. No in-app purchases.