Kharcha

Kharcha - SMS-native expense tracking Your bank already send you SMS alerts for every transaction. Kharcha just reads those texts. No server. No backend. Just on-device parsing of the SMS your bank already sends you. HOW IT WORKS: - Read the debit & credit SMS from your inbox (one-time permission) - Auto-extract amount, merchant, and date - Auto-categorize based on sender and merchant patterns - Review pending transactions before they're saved - Manually add transactions if you want - Everything stays on your phone WHAT YOU GET: - Fast, daily spending overview with a 30-day heatmap - Full transaction ledger with search and filters - Spending insights: by day, week, month, year, or custom range - Category breakdown and top merchants - Monthly budget tracking - Recategorize merchants; we learn and apply it everywhere - See the exact SMS we parsed for every transaction WHY KHARCHA? Manual expense trackers fail, you forget to log things and give up after a week. Bank-sync apps work but feel sketchy. Giving a third party read access to your actual bank accounts is a lot to ask. Kharcha threads the needle. The SMS from your bank is already on your phone. Parsing it locally means: ✓ Zero backend (no servers reading your money) ✓ Zero sync headaches (your data, your phone) ✓ Zero privacy concerns PRIVACY-FIRST ARCHITECTURE: - On-device SQLite. Period. - No cloud sync. - If your phone is lost, your data is lost—that's the tradeoff. - You see the raw SMS we parsed. Verify us. WORKS WITH: HDFC, ICICI, Axis, SBI, Kotak, and all UPI payments (Google Pay, PhonePe, Paytm, etc.) Android 10+. Free. No in-app purchases.