Kharcha Book vs Smart Kharcha Book
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Kharcha Book
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Kharcha Book is a simple and private expense tracker that keeps all your data on your device. No cloud, no sign-up, and no ads. Track daily spending, set budgets, and see where your money goes. Export your data to Excel or PDF whenever you need. -------------------- TRACK EXPENSES EASILY -------------------- • Quick Add: Add expenses quickly from the bottom input bar. Pick a category, enter the amount, and you’re done. • Custom Categories: Create as many categories as you want with over 50 icons. Organize your spending your way. • Daily View: See all expenses by date. Swipe between days to review or add past expenses. • Smart Search: Find any expense by category name in one tap. • Recent Categories: Shortcuts to your last-used categories let you add similar expenses faster. • Quick-Add Templates: Save frequent expenses (for example, "Chai Rs.20", "Petrol Rs.500") and add them with a single tap. • Same Category Kept: After adding, the category stays selected (just clear the amount) for faster entry. • Duplicate Hint: If you add the same category and amount twice on the same day, the app can suggest saving it as a recurring expense. --------------------------- BUDGETS & RECURRING EXPENSES --------------------------- • Daily Budget: Set a daily spending limit. See visual indicators of how much you’ve spent compared to your goal. • Monthly Budget per Category: Set separate budgets for each category (such as Food, Transport). Progress bars show your spending vs. the budget for each month. • Recurring Expenses: Add bills, subscriptions, EMIs, or rent once. The app adds them automatically on the right day (daily, weekly, monthly, or yearly). Pause or set an end date anytime. ---------------- REPORTS & EXPORT ---------------- • Monthly Reports: View a complete breakdown of spending by category with pie charts and totals. • Category Totals: See how much you spent in each category, for any month. • Time-based Filtering: Review expenses for any date or month. • Excel Export: Export all data as .xlsx. Choose one file for everything or year-wise files with month sheets. • PDF Monthly Report: Export detailed monthly reports as PDF with category tables and proper currency formatting. • Share: Send exported reports by WhatsApp, email, or any app. Sharing works in the background and doesn’t interrupt your workflow. ---------------- PRIVACY & SECURITY ---------------- • All Data Local: Your data stays on your device. No cloud, no servers, no tracking. • Biometric Lock: Optional Face ID, Touch ID, or fingerprint to open the app. • No Ads: Enjoy a clean and distraction-free experience. • No Sign-up: Install and start tracking—no account required. ---------------- MORE FEATURES ---------------- • 50+ Currencies: Use your local currency (USD, INR, EUR, GBP, and more). • Dark Mode: App theme follows your system setting automatically. • Daily Reminders: Get 1–2 reminders to log expenses (optional). • Weekly Digest: Get a notification (such as on Sunday) with last week’s totals and top categories, plus an in-app summary card. • On-Open Summary: Dismissible banner shows “Yesterday: Rs. X · This month: Rs. Y” for instant value. • Swipe to Delete: Quickly remove any expense or category. Undo via a snackbar. • Smooth Onboarding: First-time setup includes tips for budget and recurring expenses. • Category Management: View, edit, and organize all categories in one place. ---------------- COMING SOON (ROADMAP) ---------------- • Income tracking • Weekly reports • Multiple wallets (cash, bank, etc.) • Receipt attachments (stored locally) • Advanced search (date range, amount, categories) • Yearly analytics • Weekly budget tracking • Local backup & restore • Home screen widget for quick add Kharcha Book is free and keeps your data stored locally, securely, and under your control. Download now and start tracking your daily expenses—no account, no ads, just you and your data.
Smart Kharcha Book
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Smart Kharcha Book is your smart, simple, and powerful expense manager - designed for individuals, families, and groups who want full control over their finances. Track every rupee with ease. Create multiple expense books, add members, categorize transactions, and see exactly where your money goes - all from one beautifully designed app. KEY FEATURES: • Multiple Expense Books - Manage separate books for personal, family, trips, or business expenses. Customize each with its own icon and currency. • Collaborative Tracking - Add members to any book and track who spent what. Perfect for shared households, trips with friends, or small teams. • Smart Categories - Organize expenses into categories like Food, Transport, Shopping, Bills, and more. Create your own custom categories too. • Flexible Period Filters - View your spending daily, weekly, monthly, yearly, or set a custom date range. Instantly see totals for any period. • Grouped Insights - Transactions are grouped by category and by member so you always know the big picture at a glance. • Export & Share - Export your expense data and share it with anyone. Great for reimbursements and record-keeping. • Multi-Currency Support - Choose a currency for each book. Ideal for travelers and anyone managing finances across borders. • Multi-Language Support - Available in English, Hindi, Gujarati, and Hinglish. • Personalization - Pick emoji avatars, customize book icons, and make the app truly yours. • Offline First - All your data is stored locally on your device. No internet required to track expenses. • Beautiful Dark & Light Themes - A clean, modern interface that looks great day and night. PREMIUM (Optional): Unlock the full experience with Smart Kharcha Book Premium - enjoy an ad-free interface and access to all future premium features with an affordable annual subscription. Whether you're splitting dinner with friends, managing a household budget, or keeping track of a group trip - Kharcha Book makes it effortless. Download now and take charge of your kharcha! Icon Credits • Wallet Icon by afif fudin – Flaticon Terms of Use: https://www.ashishbaghel.com/terms-smart-kharcha-book.html Privacy Policy: https://www.ashishbaghel.com/privacy-smart-kharcha-book.html
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Verdict
The clearest difference is in-app purchases: Kharcha Book at none against Smart Kharcha Book's 4. Kharcha Book also leads on ads (none vs shown) and iOS requirement (13.0 vs 15.6). Smart Kharcha Book's advantage is update cadence (every 3 days vs fortnightly). 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. Smart Kharcha Book sells 4 in-app purchases, starting at $9.99 per year. Kharcha Book asks for nothing beyond the download.
Kharcha Book ships an update fortnightly, Smart Kharcha Book every 3 days. The most recent releases landed on October 11, 2026 and October 24, 2026 respectively.
| Parameter | Kharcha Book | Smart Kharcha Book |
|---|---|---|
| Price | Free | Free |
| Update frequency | Fortnightly | Every 3 days — better |
| Ads | No — better | Yes |
| In-app purchases | No — better | Yes |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 30 MB | 71 MB |
| Age rating | 4+ | 17+ |
| Developer | Billing Pie | Ashish Kumar Baghel |
In-app purchases
Kharcha Book
No in-app purchases
Smart Kharcha Book
- Annual Plan$9.991 Year
- Small Coffee Donation$0.99
- Large Coffee Donation$2.99
- Croissant & Coffee$4.99
Questions
Is Kharcha Book free?
Is Smart Kharcha Book free?
Do Kharcha Book or Smart Kharcha Book have ads?
Which is updated more often, Kharcha Book or Smart Kharcha Book?
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