Kharcho – Expense Tracker, Budget Planner & Money Manager
Take control of your money with Kharcho, a simple expense tracker and budget planner designed to help you track spending, manage your budget, monitor income, set savings goals, remember bills, and split expenses with others.
TOTAL SPENT THIS MONTH
ACTIVE CATEGORIES
Weekly Spending Insights
Instant visual analytics on your daily spending habits.
Track Your Expenses Easily
Keep a clear record of where your money goes. Add your daily expenses, organize spending by category, and review your financial activity whenever you need.
Whether you are tracking groceries, shopping, travel, bills, food, transportation, or other everyday spending, Kharcho helps you keep your expenses organized.
- Instant logging in under 2 seconds
- Custom expense categories and icons
- Multi-currency transaction support
Plan Your Budget
Create a budget and keep your spending under control. Set spending limits and monitor your progress throughout the month.
A simple budget can help you understand your spending habits and make better decisions with your money.
- Monthly category budgets with limits
- Real-time overspending alerts
- Flexible rollover and adjustments
Monthly Budget Status
Manage Your Income and Spending
Track both income and expenses in one place. Get a clearer picture of how much money comes in, how much you spend, and where your money is going.
Kharcho makes personal money management easier without unnecessary complexity.
- Net cash flow & savings rate analytics
- Multiple income stream monitoring
- Interactive monthly comparison charts
Set and Track Savings Goals
Working toward a new phone, vacation, emergency fund, vehicle, home, or another financial goal?
Create savings goals and monitor your progress over time. Seeing your progress can make it easier to stay focused on what you want to achieve.
- Target milestones with target completion dates
- Visual progress rings and deposit records
- Multiple concurrent savings targets
Never Forget Important Bills
Keep track of recurring and upcoming bills so you can stay organized. Use bill reminders to remember payments such as rent, subscriptions, utilities, and other regular expenses.
Avoid late fees and keep cash on hand for every scheduled payment.
- Customizable bill due-date alerts
- Recurring subscription & rent management
- Mark as paid with auto expense logging
Split Expenses With Friends and Family
Shared expenses can become confusing. Kharcho helps you keep track of group expenses and understand who paid, who owes, and how much needs to be settled.
Useful for trips, roommates, dinners, events, and everyday shared expenses.
- Group bill splitting with equal/custom shares
- Real-time balances and settlement calculations
- Instant group deep links for seamless sharing
A Simple Personal Finance App
You don't need complicated spreadsheets to understand your everyday finances. Kharcho brings expense tracking, budgeting, income tracking, savings goals, bill reminders, and expense splitting together in one simple money management app.
Start tracking your spending and take control of your personal finances with Kharcho.
Download on Google PlayWhy Track Your Expenses?
Expense tracking helps you understand your spending habits. By recording your purchases and reviewing your expenses regularly, you can identify unnecessary spending, plan your budget, and work toward your financial goals.
The first step toward better money management is knowing where your money goes.
Spot Hidden Spending Leaks
Identify small recurring expenses, daily takeaways, and unused subscriptions that quietly add up to thousands each month.
Balance Lifestyle & Savings
Spend guilt-free on things you love while ensuring you set aside predictable funds toward your future financial security.
Reduce Financial Anxiety
Knowing your exact financial situation gives you clarity and peace of mind when unexpected expenses arise.
Explore Kharcho Core Features
Learn how each specialized module helps you achieve total financial control.
Expense Tracker
Fast daily expense logging, custom categories, and intuitive spending breakdowns.
Learn MoreBudget Planner
Set monthly spending limits, monitor category progress, and prevent overspending.
Learn MoreMoney Manager
Manage income, track expenses, and view total cash flow trends in one clear dashboard.
Learn MoreSavings Goals
Set savings targets for gadgets, travel, emergency funds, and celebrate milestones.
Learn MoreBill Reminder
Keep track of utility bills, rent, and subscriptions with timely payment alerts.
Learn MoreFrequently Asked Questions
Quick answers about how Kharcho helps you master your everyday money.
Start Tracking Your Spending Today
Download the free Kharcho App and take total control of your personal finances. Available worldwide on Android.