Budget Watcher vs Kharcha Diary

BudgetWatcher is an easy-to-use mobile application that allows you to track your personal financial data all in one place. You can record, analyze, and manage your income, expenses, and savings in detail. This way, you can clearly see your financial situation and plan the necessary steps to achieve your financial goals.

Kharcha Diary is a simple, private, and powerful personal finance tracker built specifically for Nepali users. Whether you want to track your daily expenses or manage your monthly salary and investments, Kharcha Diary makes it effortless. No complicated setup, no account required, no internet needed — just open the app and start tracking. What is Kharcha Diary? Kharcha Diary is your personal digital khata — a smart notebook for your money. It helps you record every rupee you earn, spend, and invest. Over time, it gives you a clear picture of your financial habits so you can make better decisions and save more. Record Expenses, Income, and Investments Kharcha Diary supports three types of entries — expenses, income, and investments. Adding a record is quick and natural. Just type the amount and category, and Kharcha Diary does the rest. Add hashtags to organize entries and find spending patterns easily. The app remembers your recent tags and suggests them automatically as you type. Daily View and Navigation The home screen shows today's date in Bikram Sambat calendar. Navigate day by day using arrow buttons or pick any date using the built-in Nepali date picker. The bottom of the screen always shows today's total expense and this month's total — so you always know where you stand at a glance. Budget Alerts Set a monthly budget in settings. When your expenses reach 90% of your budget, a warning appears on the home screen reminding you to slow down. Simple and effective. Analysis and Insights The analysis screen gives you a complete financial overview. The yearly summary shows total earned, total spent, total invested, net savings, and average monthly expense. The monthly overview lets you select any month and see the same breakdown. Below that you will find tag analysis showing your top spending tags, top 5 individual expenses of the month, and a full spending breakdown with percentage share per entry sortable by amount, name, or percentage. Nepali Calendar Support Kharcha Diary is built for Nepali users with full Bikram Sambat support. Months display in Nepali names like Baisakh, Jestha, and Ashadh. The date picker uses the Nepali calendar so you never need to convert between AD and BS dates manually. Bilingual — English and Nepali Switch between English and Nepali language anytime from settings. When Nepali is selected, all text, numbers, and dates display in Nepali script and numerals. Fully accessible for users comfortable in either language. Export to Excel Export your records to an Excel (.xlsx) file anytime. Choose a custom date range and save the file directly to your device. The exported file includes date, category, amount, type, and tags. When Nepali language is selected, the file uses Nepali headers, dates, and numerals. Backup and Restore Create a full backup of your data as a .db file and save it to your device. Restore it anytime with a single tap. No cloud account required. Your backup stays completely on your device, private and under your control. 100% Private Kharcha Diary works completely offline. No internet connection. No data collection. No tracking. No ads. No accounts. All your financial data is stored only on your device using local storage. Nobody — not even Ora Technologies — can access your data. Free Forever Kharcha Diary is completely free. No in-app purchases. No premium tier. No subscription. Every feature is available to every user at no cost. Download Kharcha Diary today and take control of your finances.