Mera Kharcha - All Banks & UPI

See every UPI, card, EMI and SIP payment — auto-tracked from your bank SMS. No login. No manual entry. Free. Now with a built-in AI Assistant for smart spending insights.

Mera Kharcha is your AI-powered SMS expense tracker for India. Every transaction SMS from your bank or UPI app is instantly read and organised into a clean, searchable timeline — just like a digital passbook. Works silently in the background so your payment history is always up to date.

No bank login required.
No manual typing.
No spreadsheets.
No ads.
No data shared.
Just install, allow SMS permission, and see your complete payment history in seconds.

★ NEW — AI Assistant for Smart Money Insights
Ask your AI assistant anything about your spending. Get instant answers like "How much did I spend on UPI this month?" or "What are my upcoming EMIs?". The AI assistant analyses your transaction history and gives you personalised spending insights, budget summaries and smart alerts — all via chat. Your personal AI money manager that understands your finances automatically.

What Mera Kharcha tracks automatically
UPI payments — all apps supported (PhonePe, GPay, Paytm, BHIM and more)
Debit and credit card transactions
Credit card bill generation and due dates
Loan EMIs — personal loan, home loan, vehicle loan, education loan
SIP deductions and recurring investments
Wallet transfers and refunds
Utility bills and subscription charges
Everything appears in one clean, chronological view — your complete digital passbook.

Why SMS Permission is required
Most UPI and bank SMS tracker apps ask you to link your bank account or enter transactions manually. Mera Kharcha reads only your transactional SMS — the alerts your bank already sends you. No sensitive credentials, no account linking, no manual work.

Your data stays completely on your device. It is never uploaded, shared or sold.

Works with all Indian banks and UPI apps
Mera Kharcha supports every major Indian bank — SBI, HDFC, ICICI, Axis, Kotak, PNB, BOB, Canara, Yes Bank and more. Compatible with all UPI platforms and digital wallets. If your bank sends you an SMS alert, Mera Kharcha captures it automatically.

Key features
AI-powered expense tracker — ask questions about your spending and get instant AI insights
Automatic SMS payment tracker — every transaction SMS becomes a structured record instantly
AI money manager — personalised budget summaries and smart spending alerts
UPI spending tracker — see all PhonePe, GPay and Paytm activity in one place
Bank SMS reader — works across all Indian banks without any login
Digital passbook app — clean, chronological view of all debits and credits
Credit card bill tracker — track bill generation dates and outstanding amounts
Loan EMI tracker — never miss an installment across all active loans
SIP tracker app — monitor every SIP deduction automatically
Wallet transaction tracker — refunds, transfers and top-ups all captured
Offline payment tracker — works without internet after setup

Smart AI classification
Payments are automatically grouped by type — UPI, card, loan, bill or subscription — so you can quickly review any category. The AI assistant highlights unusual transactions and breaks down your spending patterns with ease.

How it keeps you in control
When all your payments are visible in one place with AI insights, it becomes easy to review daily UPI activity, track SIP and EMI deductions, monitor credit card usage, spot recurring charges, avoid missed payments, and plan your monthly budget with full clarity.

Privacy and security
Mera Kharcha reads ONLY transactional SMS — bank and UPI payment alerts. It never reads personal messages, conversations or OTPs. SMS permission is used solely to build your payment history locally on your device. The AI assistant works on-device. No data leaves your phone.

Install Mera Kharcha — India's smartest AI-powered SMS expense tracker. Get your complete payment history and AI spending insights in one place, automatically.