# Hamara Kharcha — Track. Plan. Grow Wealth. > Track. Plan. Grow Wealth. (iPhone/iPad app by Amrit Pal Singh.) - Source: https://appshunter.io/ios/app/hamara-kharcha/id6780157388 (this page in markdown: same URL + `.md`) - Developer: [Amrit Pal Singh](https://appshunter.io/developer/6780157390) - Category: Finance, Productivity - Price: Free - Age rating: 4+ - Requires: iOS 16.4 · 51 MB - Languages: American English - Released: 2026-09-07 - Data updated: 2026-10-01 ## What is 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 ## Is Hamara Kharcha safe? Not enough ratings yet to assess Hamara Kharcha. ## Is Hamara Kharcha legit? Hamara Kharcha has limited verification signals. The AppsHunter Legitimacy Score for Hamara Kharcha is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Version history (last 2 releases) ### 1.1.0 — 2026-09-09 A gentler start New users now get a short welcome tour explaining the Health Score, budgets, and household sharing. Skip it any time - it won't come back. Daily reminder, on by default Logging spending works best as a daily habit, so the reminder now defaults to 9 PM. You can change the time or switch it off in Settings. If you'd already chosen your own setting, we've left it exactly as it was. More accurate loan tracking Monthly EMI is now a required field when adding a loan. Without it the payoff timeline was guesswork; now it's real. 16 currencies Managing money from abroad, or for family in another country? Pick your currency in Settings. Amounts stay in lakhs and crores for INR, and switch to thousands and millions elsewhere. Recurring entries explained Added a note on the income and expense forms making it clear that recurring entries repeat automatically each month you don't need to re-enter your salary. Polish Figures count up and budget bars fill as the screen loads. If you use Reduce Motion, everything appears instantly instead. ### 1.0 — 2026-07-02 No release notes. ## Apps similar to Hamara Kharcha | App | Rating | Price | Category | | --- | --- | --- | --- | | [Smart Finance - Budget Planner](https://appshunter.io/ios/app/smart-finance-budget-planner/id6758128481) | — | Free | Finance | | [MoneyTalk: Budget & Expenses](https://appshunter.io/ios/app/moneytalk-budget-and-expenses/id6778995811) | — | Free | Finance | | [myney - Expense Tracker](https://appshunter.io/ios/app/myney-expense-tracker/id6741389818) | 4.0 (1) | Free | Finance | | [Balance: Money Manager](https://appshunter.io/ios/app/balance-money-manager/id6782656425) | — | Free | Finance | | [Spendy: Budget & Money Manager](https://appshunter.io/ios/app/spendy-budget-and-money-manager/id6791770566) | — | Free | Finance | | [MoneyMan: Expense Tracker](https://appshunter.io/ios/app/moneyman-expense-tracker/id6479483215) | 5.0 (2) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-01.*