Kharcha Book vs Lender
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Kharcha Book
Effortlessly track personal or shared expenses with this comprehensive ledger. Manage budgets, split bills with family or roommates, and gain clear insights into your spending habits through visual reports. Supports offline use and real-time notifications for transparent financial management.
- Multi-book management
- Collaborative expense tracking
- Quick logging of cash in/out
- Automatic currency detection
- Visual income vs. spending reports
- Offline support
- Real-time notifications
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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/
Lender
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Emadi Appraiser makes it easy for Lenders to submit, manage, and track property appraisal jobs from a single mobile platform. The app provides a streamlined workflow for Lenders to create detailed job requests, attach documents or photos, and send them directly to Appraisers for evaluation. Once submitted, Lenders can monitor the status of each appraisal through every stage—from initiation to completion—with real-time updates and visibility into Appraiser activity. Lenders can also securely make payments within the app to confirm job assignments and keep track of all financial transactions. Each job includes access to submitted documents, images, and notes from the Appraiser, making it easy to review the completed work. Lenders can manage their job history, filter by status (Active, Completed, Cancelled), and download transaction summaries when needed. With easy login, secure OTP verification, and full control over profile settings, Emadi Appraiser is the go-to solution for Lenders seeking efficiency, clarity, and transparency in the appraisal process. Get started today and manage your property appraisals with confidence, right from your mobile device.
Screenshots
Verdict
The clearest difference is in-app purchases: Lender at none against Kharcha Book's 6. Lender also leads on ads (none vs shown) and iOS requirement (13.0 vs 15.0). Kharcha Book's advantage is update cadence (every 3 weeks vs every 2 months). On price and device support 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
Both are free to download. Kharcha Book sells 6 in-app purchases, starting at $0.99 per month. Lender asks for nothing beyond the download.
Kharcha Book ships an update every 3 weeks, Lender every 2 months. The most recent releases landed on October 30, 2026 and October 25, 2026 respectively.
| Parameter | Kharcha Book | Lender |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (61 ratings) — better | — |
| Positive reviews | 81.1% of reviews | — |
| Number of ratings | 61 — better | — |
| Update frequency | Every 3 weeks — better | Every 2 months |
| Ads | Yes | No — better |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 58 MB | 86 MB |
| Age rating | 4+ | 4+ |
| Developer | Undivided Media Inc. | Mehrnaz Emadi |
In-app purchases
Kharcha Book
- Premium Monthly$0.991 Month
- Premium Monthly1 Month trial$2.991 Month
- Premium Monthly$2.991 Month
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- Premium Yearly$4.991 Year
- Premium Yearly1 Year trial$19.991 Year
- Premium Yearly$19.991 Year
Lender
No in-app purchases
Questions
Is Kharcha Book free?
Is Lender free?
Do Kharcha Book or Lender have ads?
Which is updated more often, Kharcha Book or Lender?
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