Kharcha

Kharcha is a simple and practical expense tracker built to help you understand where your money goes, manage everyday spending, and split group expenses with more clarity.

Whether you want to record daily expenses, review monthly spending, plan budgets, remember bills, organize personal spending, or manage shared group expenses, Kharcha gives you the tools to keep everything in one place.

With Kharcha, you can manually add expenses, group them by category, apply labels, monitor budgets, and review clear spending reports across weekly, monthly, yearly, or custom date ranges. The app is designed for everyday money management, so you can quickly see patterns in your spending and make better decisions.

Kharcha also includes Shared Expenses for group spending. You can create shared groups, invite members with consent, add group-only expenses, choose who paid, split equally, by amount, or by percentage, view balances, record settlements, and track group activity. Shared expenses stay separate from your personal expense records.

Kharcha also includes optional SMS-based transaction detection. If enabled, the app can help identify financial transaction messages from banks and payment providers, allowing you to review them and convert them into personal expense entries. You stay in control of what gets added.

Key Features:
1. Add and manage daily personal expenses
2. Organize spending by categories and labels
3. View weekly, monthly, yearly, and custom reports
4. Track budgets and spending trends
5. Set recurring bill reminders
6. Use quick templates for repeated expenses
7. Optional SMS transaction detection
8. Create shared expense groups
9. Split group expenses equally, by amount, or by percentage
10. View group balances and settle-up suggestions
11. Export your expense data
12. Premium cloud backup and restore
13. Premium ad-free experience
14. Premium unlimited exports
15. Premium shared expense reports

Kharcha is useful for individuals, students, working professionals, families, roommates, friends, and groups who want a clearer view of personal and shared spending.

Important Note:
Kharcha is not a bank, lender, investment advisor, payment provider, or financial institution. It does not provide loans, investment services, banking services, payments, or financial advice. Kharcha is a money-management and expense-tracking tool designed to help users record, organize, understand, and split their own spending.

Personal expenses and shared group expenses are separate. Personal expense records are not shared with group members. Group members can only see the shared group expenses, splits, balances, settlements, notes, profile details, and activity history related to groups they join.