Kharcha Book vs Spend

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/

Know what is left. Spend combines quick expense logging with zero-based budgeting for iPhone and iPad. Enter the item and amount, choose a category, and you are done. Spend turns those quick entries into a clear monthly total, spending chart, and recent activity feed. Use the included Log Expense action in Apple Shortcuts after a Wallet Transaction. The automation can prefill the amount; Spend asks what you bought and shows your editable category list, then presents every detail for confirmation before saving. Or create a Quick Expense shortcut for guided entry at any time. Features: - Bright blue design with Light, Dark, and System appearance - Optional profile name and paycheck setup in Settings - Recurring pay, next-paycheck adjustments, and separate one-time planned income - Fast native expense capture - Zero-based budgeting that gives every available dollar a category - Scheduled paychecks or a manual checking-account starting balance - Move Money transfers between categories for the current month - Category balances that decrease as expenses are logged - Guided first-launch onboarding with private iCloud backup - Apple Shortcuts Log Expense action with confirmation - Apple Pay Transaction automation setup guide - Quick Expense shortcut for Control Center, Back Tap, Home Screen, or Action button - Editable spending categories shared with Shortcuts - Optional on-device category suggestions from matching past items - Sunday or Monday week start - Period, category, payment method, and item filters - Filtered totals and charts - Category insights and search - CSV export - Offline storage with private iCloud backup and restore - No separate Spend sign-in, ads, analytics, or tracking - Category budgets that subtract each expense from money left - Category targets and money remaining - Multiple local spending accounts such as Personal, Joint, and Business - Home Screen and Lock Screen widgets - 12-month spending trends - Editable save-and-invest scenarios with contributions and hypothetical growth shown separately Spend does not connect to your bank or read your card number or Wallet history. Apple Pay prefill works only through a personal automation you configure in Apple Shortcuts. Future-impact scenarios are illustrations based on editable assumptions, not forecasts or financial advice. All features are free to use, with no subscription or payment required and no trial deadline. Existing purchases remain recognised. Existing monthly subscribers can cancel through Apple and continue using Spend for free. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/