Kharcha reads payment notifications from GPay, PhonePe, and Paytm. It logs each transaction into your budget automatically. Zero manual entry. Offline-first.
Every UPI payment becomes an expense the moment the notification hits your phone. Kharcha extracts the exact amount and merchant without intercepting SMS.
Merchants map directly to categories. When you re-categorize a transaction, Kharcha updates its internal ruleset to learn your specific routing.
Your financial history never leaves your device. Data is encrypted at rest and operates with zero network dependency. We cannot see your data.
UPI reference numbers act as cryptographic nonces. If a banking app fires a notification twice, Kharcha dedupes it. You never double-count an expense.
One-tap authentication. Your profile synchronizes automatically. No passwords.
Kharcha reads local Android payment notifications. No SMS permissions requested or required.
Pay via UPI. Kharcha captures the reference, amount, and merchant silently in the background.
Free. Zero ads. No telemetry. Your financial data never leaves your device.
Download for Android