Kharcha reads your bank SMS and instantly categorises every transaction. AI-powered classification. No cloud uploads. Your data never stored on a database. Privacy-first.
Everything you need, nothing you don’t.
Every bank & UPI SMS is parsed and categorised instantly. Food, transport, bills, shopping — all handled.
SMS text is never stored anywhere except your device. Classification happens using our self-hosted AI.
Powered by a self-hosted LLM that runs entirely on our server. No OpenAI. No cloud APIs.
Fuzzy matching against 300+ Indian merchants. Learns new ones automatically from usage patterns.
Foreign transactions auto-converted to INR using live exchange rates. USD, EUR, GBP — all supported.
Override any classification with your own merchant-to-category rules. Your rules, your categories.
Bank debit, UPI payment, credit card charge — Kharcha picks it up instantly.
Our self-hosted LLM extracts amount, merchant, category, and debit/credit in under 2 seconds.
Expenses are categorised and summarised. Know exactly where your money goes.
Drop your email and we’ll add you to the early-access list. No spam, just one note when you’re in.
We’ll only email you about beta access.
Available on Android. Free forever.
Download on Play Store