Kharcha reads your GPay, PhonePe, and Paytm payment notifications and saves each expense automatically.
Every UPI payment from GPay, PhonePe, or Paytm becomes an expense the moment it happens. No typing, no receipts.
Swiggy → Food, Uber → Travel, Amazon → Shopping. The rules self-learn from your corrections.
Your spend lives on your phone, encrypted in transit and at rest. Works with zero network. Never sold, never shared.
Per-category monthly limits with 50/80/100% alerts — you see trouble before it becomes a habit.
Income vs spend, category pies with percentages, and a 6-month trend right on your home screen.
UPI reference numbers make double-entry impossible — a payment is counted exactly once, even if the notification fires twice.
Transactions
Budgets
Reports
Categories
ProfileHomeOne-tap Google sign-in. Your name and accounts appear automatically.
Kharcha reads payment notifications — the same way your phone shows them to you. No SMS permission, ever.
Scan, pay, done. Kharcha captures it, categorizes it, and shows you where the money went.
Yes. Kharcha is offline-first — your transactions live on your device, protected by app lock (biometric/PIN). Data is encrypted in transit and never sold, shared, or used for ad targeting.
No. Kharcha uses notification access (the same channel your phone uses to display payment alerts), which is Play-safe and doesn't read your messages.
GPay, PhonePe, Paytm, and any UPI/banking app whose payment notifications contain a ₹ amount.
No — that's the point. Payments appear automatically. Manual entry exists only as a fallback.
Never. Every payment carries a unique UPI reference that Kharcha dedupes against, so each expense is counted exactly once.
Fully. Capture, categorization, budgets, and reports all work with zero network. Kharcha syncs to the cloud only as a backup when you're online.
Free to use. Every UPI payment tracked, categorized, and summarized — starting the moment you install.
Download for Android