Kharchy: Daily Expense Tracker

💸 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.