Mera Kharcha- Budget Money App

Mera Kharcha is a smart expense tracking and money management app that helps you stay in control of your finances. The app automatically detects your financial transactions by securely reading only transactional SMS such as bank debits, credits, UPI transfers, and wallet top-ups.

How it works

1. The app accesses only transactional SMS from banks, cards, wallets, and UPI services.
2. It converts these SMS messages into structured transactions, which are then categorized to give you clear insights into your expenses.
3. All transaction records are stored locally on your device for complete privacy.
4. Personal and promotional messages are ignored.

Why SMS permission is required

SMS permission is essential because Kharcha’s core functionality depends on it. Without access to transactional SMS, the app cannot automatically detect your expenses or provide accurate financial summaries. This permission is used only to read financial transaction alerts and not for any other purpose.

Your Privacy

1. SMS data is processed one time and converted into transactions through a secure API.
2. After conversion, all records are stored only on your device; we do not maintain any central database.
3. We do not read, upload, store, or share your personal SMS messages.
4. We never sell or misuse your SMS data in any way.

Key Features

1. Automatic expense tracking using transactional SMS.
2. Categorization of expenses to understand spending patterns.
3. 100% local storage of financial data on your device.
4. No cloud storage, no hidden data collection, no misuse of SMS.

Kharcha ensures that your financial data remains private, secure, and completely under your control while giving you the power of effortless expense tracking.