💸 Where does your money actually go? Kharchy is the daily expense tracker and money manager that answers that — in a few seconds a day.

Log your daily expenses, set a monthly budget, fund your savings goals and track your investments — every payment lands in a category you chose. An expense manager that adds itself up.

Fully offline. Your records stay on your phone.

⚡ AN EXPENSE TRACKER YOU'LL ACTUALLY KEEP USING

• 3-tap entry — amount, category, saved
• 🎤 Say it out loud — voice entry on your own phone
• 📸 Snap the receipt and attach it
• A calculator in the keypad — split a bill in place
• Your own categories, subcategories and tags
• A full income and expense tracker: spending, earnings and transfers

📈 AN INVESTMENT AND PORTFOLIO TRACKER, NOT JUST AN EXPENSE APP

A recurring investment is not spending, so your portfolio stays out of your expense totals.

• An investment tracker for mutual funds, stocks, crypto, gold, fixed deposits, retirement accounts and bonds
• A recurring-investment tracker — a monthly plan and its commitment
• Allocation by asset type, portfolio value over time, gain or loss in money and %
• Units, average cost, current price and every order
• Dividends and interest recorded as income
• Broker platforms, a foreign-currency wallet, the rate and charges

📊 A MONEY MANAGER AND SPENDING TRACKER THAT SHOWS WHERE IT GOES

• One dashboard: balance, income, daily spending, savings rate and portfolio
• Spending by category, with an income vs expense chart
• Trends over time — any category, account or tag
• Day, week, month, fiscal year or a custom range
• Search and filter your whole expense history

🎯 A BUDGET PLANNER AND BUDGET APP FOR THE WHOLE MONTH

Most budget apps tell you that you overspent. This budget planner tells you before you do.

• A monthly budget with alerts at 90%, 95% and 100%
• "Daily available" — what you can spend today and stay on track
• 🏆 A savings goal tracker with contribution history
• ⏰ A daily expense reminder, at a time you pick

🔁 BILL REMINDERS FOR RENT, LOANS AND SUBSCRIPTIONS

• Recurring rules for rent, loan payments, subscriptions and utility bills
• Autopay rules log themselves; the rest are bill reminders — due, then overdue
• Upcoming payments on the home screen

💳 A CREDIT CARD TRACKER, CASH AND BANK ACCOUNTS IN ONE PLACE

• Bank accounts, cash, wallets and credit cards side by side
• Credit card statement cycles, outstanding balance and limit used
• A "Pay now" shortcut that prefills your credit card bill
• Reconcile against your real bank balance

🔒 PERSONAL FINANCE THAT STAYS ON YOUR PHONE

• A fully offline expense tracker — track a whole month in airplane mode
• Stored encrypted on the device with AES-256
• 🔐 Optional app lock: fingerprint, face or passcode
• Screenshots blocked, and hidden in recents
• ☁️ Optional backup to your own Google Drive
• 📤 Export every expense to CSV or Google Sheets

🆓 A FREE EXPENSE TRACKER — NO ADS, NO BANK LOGIN

Want an expense tracker without a bank login, or an alternative to apps that ask to connect your bank? Kharchy needs neither.

• Free, with no ads, no subscription and nothing locked
• Works without a bank login and without reading your messages
• Log card, cash, bank and wallet spending side by side
• A money tracker for daily expenses — the same on day 1 and day 300

🌍 A SIMPLE EXPENSE TRACKER AND BUDGET PLANNER, IN YOUR CURRENCY

An easy expense app that thinks in your currency. A budget tracker that warns you before you overspend, so you save more instead of wondering why money is running out. A personal finance app for a student budget, a household, a credit card or a portfolio.

14 currencies · 9 languages · light and dark.

Kharchy is a personal record-keeping tool, not a bank or broker. Nothing in it is financial advice.

📒 Start your daily expense diary today — the expense tracker, expense manager, money manager, budget planner, savings goal and investment portfolio tracker on your phone.