Kharcha reads your bank SMS right there on your phone and files every payment into a category. No bank login, no manual entry, and your spending data never leaves your phone, not even to us.
Kharcha does one job, turning bank SMS into a clean spending record, and it tries to do that job without ever asking more of your phone than it needs.
The moment a payment SMS from a new payee lands, a quiet notification offers your three most-used categories as buttons. Tap once and it's filed.
Each bank account, credit card and debit card gets tracked on its own in the Accounts tab, so a card bill never gets mixed up with your salary account.
Same reference number, amount and account counts once, no matter how many senders report it. A card spend and its bill payment never get counted twice.
Unknown senders, personal phone numbers, foreign currency or conflicting wording go into a review queue instead of being silently miscategorized.
Amounts are parsed exactly in paise, never as floating point, and balance, credit limit or amount due is never mistaken for what you actually spent.
No account creation, no OTP, no linking your bank. Install it, grant one permission, and the next SMS that arrives is already being tracked.
No dashboards to configure and nothing to import. It starts working the moment your bank texts you.
Kharcha reads it on the phone, the instant it lands, pulling out the amount, the account or card, and who got paid.
A notification pops up with your three most-used categories as buttons. Tap once, or tap the body for the full list and to rename the payee.
Categorize someone once and every future payment to them is tracked silently, no notification, no interruption.
Most expense trackers ask you to link your bank or forward statements to a cloud service. Kharcha was built the other way around, your SMS is parsed locally and your spending history is stored locally. The app shows ads to stay free, and that part of the app runs separately, with no access to your messages or transaction data.
Spending history, categories and account balances live in a database on your device, not on a server.
There's no sign-up and no server that stores or processes your SMS content or spending data.
Kharcha only reads the SMS your bank already sends you. It never asks for net banking credentials or card details.
The code that talks to the internet for ads is a different part of the app than the code that reads and stores your SMS and spending history.
Matched against official DLT sender IDs, not just a keyword guess. New banks get added as they're reported.
Kharcha asks for READ_SMS, which the Play Store only allows for a small set of approved use cases pending a permissions review. Until that's cleared, the APK is available to install directly, same app, same code, just not through the Play Store yet.