Comparison

Kharcha Book vs MySGI

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Kharcha Book

Easily track your spending and manage your budget with this comprehensive finance manager. Organize income and expenses, set clear financial goals, and gain insights with colorful charts. Share your financial overview with loved ones for collaborative budgeting.

Highlights
  • Track income and expenses
  • Create custom budgets
  • Share finances with others
  • Visualize spending with charts
  • Manage multiple expense books
  • Support for multiple currencies
Features
Read full description

Where is your money going? Kharcha Book is your all-in-one expense tracker, khata book, and budget planner — built for tracking solo or sharing with family, roommates, or a team. Whether you call it hisab kitab, a ledger, or a khata book, Kharcha Book makes managing daily expenses effortless. The moment someone joins your book, you both see who paid what, who owes what, and where your money is going — no more chasing people down to settle up. KEY FEATURES • MULTI-BOOK MANAGEMENT: Create multiple books and switch between them instantly to keep personal, household, and work expenses separate. • COLLABORATIVE TRACKING: Invite family, roommates, or colleagues with clear Admin and Member roles to keep your shared ledger organized. • QUICK LOGGING: Log Cash In or Cash Out in just one tap, complete with notes and categories. • AUTOMATIC CURRENCY DETECT: Auto-detects your local currency when a new book is created (editable anytime). • CUSTOM THEMES: Personalize each book with custom colors to tell them apart at a glance. • FILTERS: View any month or a custom date range in a tap. • VISUAL REPORTS: View income vs. spending broken down by category and person using clear, insightful charts. • REAL-TIME NOTIFICATIONS: Get notified immediately when someone adds, edits, or deletes a transaction. • FULL OFFLINE SUPPORT: Add and edit transactions offline — everything syncs automatically when you're back online. • TRANSPARENT HISTORY: Every modification is tracked so shared books stay transparent and reliable. KHARCHA BOOK PREMIUM Upgrade to Premium to unlock full flexibility: • Search every entry instantly by category, note or member • Export full transaction history to CSV • Create unlimited custom categories • 100% ad-free experience WHO IT'S FOR • Families & Couples: Manage household budgets, groceries, and shared bills together. • Roommates: Split rent, utilities, and group expenses without friction. • Individuals: Track personal daily spending and build a consistent savings habit. • Freelancers & Small Teams: Maintain a clear record of shared business costs and project expenses. Download Kharcha Book today and take total control of your money! Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://undividedmedia.ca/privacy-policy/

About

MySGI

Manage your insurance policies with ease, accessing details, documents, and renewal reminders. The app simplifies the claims process, allowing you to lodge and track claims seamlessly with 24/7 support available.

Highlights
  • Policy details access
  • Coverage information
  • Document access
  • Renewal reminders
  • Claims lodging
  • Claims tracking
  • 24/7 support
Features
Read full description

Effortlessly handle your policies with our intuitive interface. Access policy details, coverage information, and important documents with just a few taps. Stay on top of renewals with timely reminders, ensuring uninterrupted protection for your assets. In times of unexpected events, our app simplifies the claims process. Lodge and track claims seamlessly, receiving prompt assistance when you need it the most. Our dedicated support team is available 24/7, ensuring you have the guidance and expertise you require.

Screenshots

Kharcha Book4 screens
MySGI4 screens

Verdict

The call

The clearest difference is review sentiment: Kharcha Book at 82% against MySGI's 0%. Kharcha Book also leads on update cadence (every 3 weeks vs every 2 months). MySGI's advantage is in-app purchases (none vs 4) and ads (none vs shown). On price, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Kharcha Book sells 4 in-app purchases, starting at $0.99 per month. MySGI asks for nothing beyond the download.

UpkeepUpdate frequency

Kharcha Book ships an update every 3 weeks, MySGI every 2 months. The most recent releases landed on October 25, 2026 and October 17, 2026 respectively.

Scorecard5 real differences · 5 level
Kharcha Book versus MySGI: the parameters behind the verdict, then further details
ParameterKharcha BookMySGI
PriceFreeFree
Rating4.5 (61 ratings) — better—
Positive reviews82.0% of reviews — better0.0% of reviews
Number of ratings61 — better—
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.6
Further details — not scored
Size56 MB78 MB
Age rating4+4+
DeveloperUndivided Media Inc.Shriram General Insurance Company Limited

Customer experience

Kharcha Book

All ratings61 ratings
Positive90.2%
Neutral4.9%
Negative4.9%
Written reviews89 reviews
Positive82.0%
Neutral6.7%
Negative11.2%

MySGI

Written reviews3 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

4 purchases

Kharcha Book

Subscriptions4
  • Premium Monthly$0.991 Month
  • Premium Monthly$2.991 Month
  • Premium Yearly$4.991 Year
Show 1 more
  • Premium Yearly$19.991 Year
None

MySGI

No in-app purchases

Questions

Is Kharcha Book free?
Kharcha Book is free to download, with in-app purchases available.
Is MySGI free?
MySGI is free to download, with no in-app purchases.
Do Kharcha Book or MySGI have ads?
Kharcha Book shows ads; MySGI does not.
Which is updated more often, Kharcha Book or MySGI?
Kharcha Book ships an update every 3 weeks, and MySGI every 2 months. Most recently, Kharcha Book was updated on October 25, 2026 and MySGI on October 17, 2026.

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