Kharchy: Daily Expense Tracker
Budget, bills & savings goals
Free · Designed for iPad. Not verified for macOS.
Set a monthly budget and Kharchy does the daily maths — what you can spend today, what's left, and what's due next. All on your phone, all offline.
Where does your salary actually go? Kharchy gives you the answer in a few seconds a day.
Kharchy is a daily expense tracker and budget planner for anyone who reaches the end of the month wondering where the money went. Log what you spend, set a budget, and watch every rupee land in a category you chose.
Everything works offline, and everything stays on your iPhone.
LOG AN EXPENSE IN SECONDS
The best expense tracker is the one you're still using in March.
• Three taps — amount, category, saved
• Say it out loud, using your iPhone's own speech recognition
• Snap the receipt and attach it to the transaction
• A calculator built into the keypad, so you can split a bill in place
• Your own categories, subcategories and tags
SEE EXACTLY WHERE IT GOES
• One dashboard: balance, income, spending and your savings rate
• Spending by category, with an income vs expense chart
• Trends over time — drill into any category or any account
• Browse by day, week, month, financial year or a custom range
• Amounts in Lakh and Crore, the way you actually read them
STAY ON BUDGET, NOT JUST AWARE OF IT
Most budgeting apps tell you that you overspent. This one tells you before you do.
• A monthly budget with alerts at 90%, 95% and 100%
• "Daily available" — what you can spend today and still stay on track
• Savings goals with contribution history and progress to target
• A daily reminder to log your spending, at a time you pick
NEVER MISS RENT, AN EMI OR A SIP
• Recurring rules for rent, EMIs, SIPs, subscriptions and utility bills
• Auto-debit rules log themselves; the rest show as due, then overdue
• Upcoming payments on the home screen, so nothing ambushes you
CARDS, CASH AND BANK ACCOUNTS TOGETHER
• Bank accounts, cash, wallets and credit cards side by side
• Credit card statement cycles, outstanding balance and limit used
• A payment shortcut that prefills your card bill
• Reconcile against your real bank balance without rewriting history
YOUR MONEY DATA NEVER LEAVES YOUR PHONE
• Fully offline — you can track a whole month in airplane mode
• Stored encrypted on the device with AES-256
• Optional app lock using Face ID, Touch ID or your passcode
• Screenshots blocked, and the app hidden in the app switcher
• Optional backup to your own Google Drive, whenever you choose
• Export everything to CSV or Google Sheets
• Erase all of it from inside the app, in two taps
BUILT FOR EVERY DAY
Light and dark themes, adjustable text size, INR, USD, EUR, GBP and AED, 12 or 24-hour time, and you choose which screen the app opens on.
Whether you're tracking a student budget, running a household, watching a credit card, or finally getting serious about savings — Kharchy is a money manager that fits in the thirty seconds you actually have.
Kharchy is a personal record-keeping tool, not a bank, and nothing in it is financial advice.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, Jignesh Patel, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Jignesh Patel
- Size
- 90.7 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - iPad
Requires iPadOS 16.4 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Jignesh Patel