ChaarPaisa UPI Expense Tracker Live

ChaarPaisa is a simple, offline-first income and expense tracker built for India — for families, small traders and village shopkeepers alike. Most of your money already moves through UPI, and your bank sends an SMS every single time. ChaarPaisa reads those bank messages on your phone and turns them into a clean record of what you earned and what you spent. No typing. No bills to keep. No internet needed. ★ AUTOMATIC SMS TRACKING • Works with 30+ Indian banks and payment apps — SBI, HDFC, ICICI, Kotak, Axis, Google Pay, PhonePe, Paytm and more • Captures amount, date, UPI ID, reference number and available balance • Picks up the other person's name from UPI messages • Never records the same transaction twice • Every message is read and understood on your phone — nothing is uploaded ★ SHOPKEEPER MODE Made for shops where payments arrive all day long: • Announces each payment out loud with the customer's name, in Hindi or English • A "ka-ching" sound the moment money lands • Today's collection, number of payments, and how it compares with yesterday • Repeat-customer badge — "5th payment this month" • Peak hour insight, so you know your busiest time of day • Your UPI QR code on a full screen for customers to scan • Share a daily collection report on WhatsApp in one tap ★ BUDGETS THAT MAKE SENSE • Set a monthly limit for each category • Green, orange and red progress bars so you spot trouble early • Copy last month's budget in a single tap • Plain-language insights that show where the money actually went ★ EVERYTHING ELSE YOU NEED • 22 ready-made categories with Hindi names, plus your own • Auto-categorise: label a UPI sender once and every future payment from them is sorted for you • Attach a photo or PDF receipt to any transaction • Assets and liabilities, with your net worth worked out for you • Credit cards, subscriptions and recurring entries • Reports: category pie chart and spending trends • Export everything to CSV or Excel • Encrypted, password-protected backup and restore ★ PRIVATE BY DESIGN • Works fully offline — no account, no sign-up, no server • Your transactions stay in your phone's own storage • Bank SMS are read and parsed on the device; message content is never sent anywhere • PIN lock and fingerprint unlock ★ IN YOUR LANGUAGE Complete English and Hindi throughout — including category names and the spoken payment announcements. WHY CHAARPAISA ASKS FOR SMS PERMISSION ChaarPaisa needs access to your SMS for one reason: to read bank and UPI transaction messages so your entries are created automatically. That reading happens entirely on your phone, and no message content ever leaves the device. If you would rather not grant it, simply deny the permission — you can still use every part of the app by adding entries yourself. Free to use, with an optional one-time purchase to remove ads.