SpendByMe vs Kharchy

Stop tracking expenses manually. Most expense tracker apps expect you to enter everything yourself. That’s where people give up. SpendByMe is an AI-powered SMS & email-based automatic money management app that helps you track expenses, subscriptions, credit card bills, EMIs, and upcoming payments automatically. Instead of manually entering transactions, SpendByMe analyzes transactional SMS messages, statement emails, receipts, and bank statements to organize your finances automatically. No spreadsheets. No daily effort. No confusion. Just clarity. Works with almost every major currency worldwide. ▶ Track your money in 3 simple ways 1. Automatic expense tracking Transactions can be tracked automatically using transactional SMS messages and email alerts. Connect your email to fetch transaction alerts and credit card statements automatically. 2. Paste any transaction Paste a bank message and it gets categorized and added instantly. 3. Manual entry Add amount, merchant, and account. SpendByMe completes the rest automatically. ▶ Smart expense categorization • Automatically categorizes your transactions • Learns from your usage and improves over time • Set custom rules for full control • No need to fix categories again and again ▶ All your money in one place • Bank accounts, credit cards, wallets, and cash • Automatic balance tracking • One clean view of your finances • Automatic currency conversion support No switching between apps. No guesswork. ▶ Smart credit card management • Track credit card bills, due dates, and limits • Monitor spending across multiple cards • Understand your real credit usage • Avoid missed payments and late fees ▶ Subscription, loan & EMI tracker • Detect subscriptions, EMIs, loans, and recurring payments • Track upcoming payments and due dates • Avoid missed payments and hidden charges ▶ Splits with friends & couples • Split expenses with friends instantly • Track shared expenses for trips and groups • Manage couple expenses easily • Send reminders in one tap ▶ Tags & sub-tags for better organization • Organize transactions using tags and sub-tags • Track reimbursements and shared payments • Create trip budgets and event budgets • Filter transactions exactly how you want ▶ Spending map & smart insights • See where you spend money on a map • Track location-based spending habits ▶ Upcoming payments & invoice tracker • Track upcoming bills and payments • Create and manage invoices ▶ Budget planner & goal tracking • Create budgets in seconds • Track savings goals and financial targets ▶ Accurate financial tracking • Separates expenses, income, and transfers properly • Clean and reliable data • Search any transaction instantly • Real insights into your spending ▶ Powerful search & insights • Search transactions, tags, merchants, or notes instantly • AI-powered insights • Understand where your money goes Privacy-first expense tracker ▶ Your data stays yours. • Everything stays on your device unless you enable sync • Only transactional messages and emails are processed • No access to personal chats • No unnecessary data collection SpendByMe does not read personal chats, OTPs, or unrelated messages. Flexible and easy to use • Want full automation? It’s there • Prefer manual control? That works too SpendByMe adapts to you. Gets smarter over time. The more you use it, the better it becomes. Better categorization. Better accuracy. Less effort. Take control of your money today. Download SpendByMe — your smart expense tracker, budget planner, subscription tracker, split expense app, EMI tracker, credit card manager, and automatic money management app. Terms of Use: This app uses the standard Apple Licensed Application End User License Agreement (EULA). You can find it here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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.