You stay in charge
No bank linking, no SMS reading, no account aggregators. Only the payments you share are logged.
Track UPI spends without linking your bank
Paid on Google Pay, PhonePe, Paytm or any UPI app? Share the payment screenshot to Kharchu. It reads the amount, who you paid and when, and you save the spend with one tap.
Coming soon to theApp StoreAndroid · coming soon
- No bank links
- No inbox reading
- Works with any UPI app
Why track UPI spends with Kharchu
One number for the month
Set your comfort zone once and Kharchu counts down what’s left until your next salary day.
Cash and cards in two taps
Not everything is UPI. Type the amount, tap a category, and it counts the same.
Splits from the same screenshot
Paid for the group? Save the shared spend to a group and Kharchu works out everyone’s share.
Works offline
Log on the metro or in the hills. Everything syncs when you’re back online.
Your receipts, kept
The screenshot stays with the spend, on every phone you sign in on.
UPI tracking, answered
Does Kharchu read my SMS or bank statements?
No. Kharchu never asks for bank logins and never reads your inbox. Only what you type or share goes in.
Which UPI apps work?
Any app that shows a payment screen you can screenshot: Google Pay, PhonePe, Paytm, BHIM, your bank’s app and the rest.
What happens to the screenshot?
Kharchu reads it to fill in the spend. If you save the spend, the screenshot stays with it as your receipt; if you don’t, it’s deleted within a day.
What about cash and cards?
Two taps: type the amount and tap a category. Cash, card and UPI all count towards what’s left this month.
Start with your next chai.
Just your phone number. Your first spend takes two taps.
Coming soon to theApp StoreAndroid · coming soon
Share on WhatsApp