# Karo Budget: Kharcha — Just track it

> Just track it (iPhone/iPad app by Sarvesh Sp.)

- Source: https://appshunter.io/ios/app/karo-budget-kharcha/id6807655139 (this page in markdown: same URL + `.md`)
- Developer: [Sarvesh Sp](https://appshunter.io/developer/1880078448)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 16.4 · 37 MB
- Languages: American English
- Released: 2026-09-04
- Data updated: 2026-10-09

## What is Karo Budget?

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.

## Is Karo Budget safe?

Not enough ratings yet to assess Karo Budget.

## Is Karo Budget legit?

Karo Budget: Kharcha appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Karo Budget is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 2 releases)

### 2.0 — 2026-09-15

Added Statement Import using AI

### 1.0 — 2026-09-04

No release notes.

## Apps similar to Karo Budget

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Paisaflow: Expense Tracker](https://appshunter.io/ios/app/paisaflow-expense-tracker/id6811267954) | — | Free | Finance |
| [Paysa](https://appshunter.io/ios/app/paysa/id6747094657) | — | Free | Finance |
| [Famoney: Shared Family Budget](https://appshunter.io/ios/app/famoney-shared-family-budget/id6760476207) | — | Free | Finance |
| [Kharcha: An Expense Tracker](https://appshunter.io/ios/app/kharcha-an-expense-tracker/id6757474057) | — | Free | Finance |
| [Salary Tracker](https://appshunter.io/ios/app/salary-tracker/id6762617154) | — | Free | Finance |
| [TripSplit – Expense Splitter](https://appshunter.io/ios/app/tripsplit-expense-splitter/id6761530463) | — | Free | Finance |

## More apps by Sarvesh Sp

- [BSV Pulse](https://appshunter.io/ios/app/bsv-pulse/id6759668083)
- [just for run](https://appshunter.io/ios/app/just-for-run/id6787699931)
- [Sindagi Janaseva Kendra](https://appshunter.io/ios/app/sindagi-janaseva-kendra/id6805366482)

All apps by Sarvesh Sp: https://appshunter.io/developer/1880078448

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*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 2026-10-09.*