Karo Budget: Kharcha

Karo Budget answers one question every day: how much can I spend right now without breaking my plan? Set a monthly budget for each category, log what you spend as you go, and the dashboard does the arithmetic. It divides what is left by the days remaining, subtracts what today has already cost, and shows you the number. WHAT YOU GET • Safe to spend today — one number, recalculated as you spend • Pace — whether you are ahead of or behind an even run rate for the month • Month-end projection at your current rate, against your plan • Spending heat map — a calendar shaded by how much each day cost • Top spends, ranked by category with their share of the month • No-spend day streaks, daily average, busiest day, biggest single spend PLAN YOUR WAY • Build your own groups — Needs, Wants, Savings, or anything you like • Every group and category gets its own icon and colour • Copy last month's plan into this month with one tap • Edit a planned amount by tapping it, right on the budget screen • Archive categories you have stopped using without losing their history BUILT FOR RUPEES Amounts are stored as whole paise and grouped the Indian way — ₹1,23,456.78, not ₹123,456.78. No currency conversion, no rounding drift. GENUINELY OFFLINE There is no account to create and no server to sign in to. The app makes no network requests at all — no analytics, no advertising, no tracking, no third-party SDKs. Your budget lives in a database on your iPhone and nowhere else. That also means your data is yours to take. Export any month, or everything, as a CSV file and send it wherever you like. WHAT IT DOES NOT DO It does not connect to your bank. Transactions are typed in by hand, which is exactly why it needs no credentials and no internet. There is no sync between devices, no recurring transactions and no shared budgets. Requires iPhone. Light and dark themes, or follow your system setting.