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TrackSpence! - Every rupee, Automatically tracked
Kharcha! reads the payment messages your bank already sends you and turns them into a spending record you can actually read. UPI, debit card, credit card, ATM and bank transfers, filed automatically. Cash you add yourself in a few taps.
Everything stays on your phone. No account, no sign-up, no server, no analytics, no ads. The app doesn't request internet permission at all - it cannot send your data anywhere, because it has no way to.
WHAT IT DOES
Reads bank SMS automatically and files each payment by amount, merchant and category
Log cash spending by hand - 21 categories built for Indian households, from groceries and medicines to domestic help and gas cylinders.
Compare any day, week, month or year against the one before it
Set a monthly limit and get warned before you break it, not after
See what repeats — subscriptions and bills worked out from your own history
Cash in hand: what you took from ATMs minus what you logged, so you can check your records against your actual wallet
Search everything by merchant, category or amount
Export to CSV, share a summary, back up to a file you keep
BUILT TO BE TRUSTED
Bank messages are filtered by sender before anything is read, so personal messages never enter the app. OTPs, payment reminders, collect requests, failed transactions and marketing are recognised and refused. You can see exactly what was skipped and why.
Card bill payments, self transfers and ATM withdrawals are kept out of your totals by default — the purchases behind a card bill were already counted once, and counting the bill again would inflate every number on the screen. Anything the app parsed but wasn't sure about is flagged rather than quietly counted.
HONEST LIMITS
Android only. iOS gives no app permission to read messages, and no workaround changes that. Cash spending is invisible unless you log it.
Indian rupee bank formats only.