What’s left, not what’s spent
Set your comfort zone once. Kharchu counts down from your salary day, and carries over what you didn’t use.
The two-tap expense tracker, made for ₹Know what’s left.
Know what’s left.
In one tap.
Type the amount, tap a category, done. Kharchu tells you what’s left for the month and splits bills with friends. No bank links, no spreadsheets, no guilt.
Coming soon to theApp StoreAndroid · coming soon
- Just your phone number
- Works offline
- No bank links
Left this month₹11,620₹11,580₹2,300 today · 19 days to go
₹40
FoodTravelGroceryBillsFunOther
Food ₹40 loggedTrackMonthGroupsYou
How it works
Two taps. That’s the whole thing.
- 01
Type the amount
A big keypad, right where your thumb is.
- 02
Tap a category
That’s it, it’s saved. Add a note only if you feel like it.
- 03
See what’s left
One number that tells you how the month is going.
Everything you need. Nothing you don’t.
Works offline
Log on the metro, in the lift, in the hills. Everything syncs when you’re back online.
On your home screen
Widgets for what’s left and your groups. No need to open the app.
Two phones, one account
Sign in with the same number on another phone. Everything’s there.
Categories that fit your life
Pin the ones you use most, rename them, or add your own.
Groups
Trips, flatmates, family. Split it, settle it.
Split bills and shared expenses with friends, flatmates and family, and always know who owes whom.
- Add a group spend in the same two taps
- Always know who owes whom, in as few payments as possible
- Settle up over UPI, and invite anyone with one link
Goa trip12–16 Dec · 3 people
RPY
Ravi owes you₹4,300Priya owes you₹3,955
Settle upFlat 4Bto Kabir
You owe ₹2,300Privacy
Your money stays yours.
Encrypted, always
Your spends are encrypted on the way to our servers and while stored there.
No bank links
We never ask for bank, card or UPI logins.
No ads, ever
Nothing tracks you around the internet.
Never sold
Your spends are yours. We don’t sell or share them.
Delete anytime
One tap in the app removes your account and data.
Questions
Is Kharchu free?
Yes. Kharchu is free to download and use.
Is it on Android?
Soon. Kharchu is on the App Store for iPhone first; Google Play is next.
Does it work offline?
Yes. Logging, your month, history and groups all work offline, and everything backs up as soon as you’re online again. Signing in and reading a screenshot need a connection.
Can I use it on two phones?
Yes. Sign in with the same phone number on the other phone and everything syncs.
How do I delete my data?
You → Account → Delete account. It’s gone from our servers straight away, and from backups within 30 days.
Start with your next chai.
Just your phone number. Your first spend takes two taps.
Coming soon to theApp StoreAndroid · coming soon
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