Hamara Kharcha

Hamara Kharcha is an all-in-one personal finance tracker built for Indian households — track everyday spending, budgets, loans, EMIs, insurance, investments and gold in one simple app. WHAT YOU CAN TRACK Transactions — log income and expenses by category, with recurring entries that repeat automatically each month so you never re-enter your salary. Budgets — set a monthly limit per category and watch the bar turn amber at 80% and red past 100%, so you find out before the month ends. Financial Health Score — one number out of 100 covering savings rate, EMI burden, emergency fund and investing discipline. Tap it to see the working. Loans, EMIs and credit cards — balances, interest rates, remaining tenure and a real payoff timeline, not just a number. Investments — MF, SIP, FD, RD, PPF, NPS, stocks and gold, with a projector showing where your monthly investment is headed over 5, 10 and 20 years. Insurance — policy details, premiums and renewal reminders before anything lapses. Reports — spending by category and income against expenses over time. SHARE WITH YOUR HOUSEHOLD Invite family to a shared household so everyone logs and sees expenses together — for couples, families and roommates managing money as a team. Every entry shows who added it. BUILT FOR INDIA, USABLE ANYWHERE Amounts in lakhs and crores, categories that match how Indian families actually spend, and 16 currencies if you're managing money from abroad. SIMPLE AND SECURE Sign in with Apple, Google or email. Your financial data is yours — no selling, no sharing with advertisers. Delete your account and all its data from inside the app at any time. Hamara Kharcha is a tracking and organising tool, not a registered financial advisor — it doesn't provide investment, insurance or loan advice. Questions or feedback: hello@hamarakharcha.in