Offline Cashbook vs Kharchy

Offline Cash Book is a simple place to record what you earn and what you spend. Add an entry in a few taps, keep more than one book, and see exactly where your money went — with no internet connection and no spreadsheet. WHAT YOU CAN DO Record every entry - Add income or an expense in a few taps - Give it a category, a note and a date - Filter by income, expense, today, this month or any date range Keep separate books - Run more than one cash book — personal, business, a travel fund - Each book keeps its own balance and its own history Credits: who owes whom - Keep customers and suppliers, and what each one owes you or you owe them - Record money you gave and got, with a running balance for each person - Set a due date and get a reminder that morning - Send a WhatsApp reminder and share a PDF statement See where it goes - Income against spending for this week, this month or three months - A category breakdown that ranks every category by amount - Your balance, income and spending, always up to date Make it yours - Add, rename or delete your own income and expense categories - 51 currencies, in your own language - Pick the date format you prefer Your data - Every entry is stored on your phone, not on a server - Export any date range to CSV for a spreadsheet - Export to PDF as a formatted report with totals - Encrypted cloud backup, restored on a new phone - Lock the app with your fingerprint or face Built to work offline - No connection needed to add, edit or review anything - Works on a plane, in a basement or on a weak network MADE FOR Anyone tracking personal spending, small shop and business owners keeping a daily cash book, students on a budget, freelancers separating work money from personal money, and anyone who would rather their finances stayed on their own phone. FREE TRIAL AND SUBSCRIPTION Start with a free trial and use every feature. After the trial, a subscription keeps everything unlocked — pay monthly, yearly, or once for lifetime access. Sign in once, add your first entry, and your cash book is running. LEGAL Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of Service: https://binaryscript.com/offlinecashbook/terms/ Privacy Policy: https://binaryscript.com/offlinecashbook/privacy/ Refund Policy: https://binaryscript.com/offlinecashbook/refund-policy/ Auto-renewable subscriptions are charged to your Apple ID at confirmation of purchase. A subscription renews unless it is cancelled at least 24 hours before the end of the current period. Manage or cancel it in your Account Settings after purchase. The lifetime plan is a one-time purchase and does not renew.

Where does your salary actually go? Kharchy gives you the answer in a few seconds a day. Kharchy is a daily expense tracker and budget planner for anyone who reaches the end of the month wondering where the money went. Log what you spend, set a budget, and watch every rupee land in a category you chose. Everything works offline, and everything stays on your iPhone. LOG AN EXPENSE IN SECONDS The best expense tracker is the one you're still using in March. • Three taps — amount, category, saved • Say it out loud, using your iPhone's own speech recognition • Snap the receipt and attach it to the transaction • A calculator built into the keypad, so you can split a bill in place • Your own categories, subcategories and tags SEE EXACTLY WHERE IT GOES • One dashboard: balance, income, spending and your savings rate • Spending by category, with an income vs expense chart • Trends over time — drill into any category or any account • Browse by day, week, month, financial year or a custom range • Amounts in Lakh and Crore, the way you actually read them STAY ON BUDGET, NOT JUST AWARE OF IT Most budgeting apps tell you that you overspent. This one tells you before you do. • A monthly budget with alerts at 90%, 95% and 100% • "Daily available" — what you can spend today and still stay on track • Savings goals with contribution history and progress to target • A daily reminder to log your spending, at a time you pick NEVER MISS RENT, AN EMI OR A SIP • Recurring rules for rent, EMIs, SIPs, subscriptions and utility bills • Auto-debit rules log themselves; the rest show as due, then overdue • Upcoming payments on the home screen, so nothing ambushes you CARDS, CASH AND BANK ACCOUNTS TOGETHER • Bank accounts, cash, wallets and credit cards side by side • Credit card statement cycles, outstanding balance and limit used • A payment shortcut that prefills your card bill • Reconcile against your real bank balance without rewriting history YOUR MONEY DATA NEVER LEAVES YOUR PHONE • Fully offline — you can track a whole month in airplane mode • Stored encrypted on the device with AES-256 • Optional app lock using Face ID, Touch ID or your passcode • Screenshots blocked, and the app hidden in the app switcher • Optional backup to your own Google Drive, whenever you choose • Export everything to CSV or Google Sheets • Erase all of it from inside the app, in two taps BUILT FOR EVERY DAY Light and dark themes, adjustable text size, INR, USD, EUR, GBP and AED, 12 or 24-hour time, and you choose which screen the app opens on. Whether you're tracking a student budget, running a household, watching a credit card, or finally getting serious about savings — Kharchy is a money manager that fits in the thirty seconds you actually have. Kharchy is a personal record-keeping tool, not a bank, and nothing in it is financial advice.