Comparison

Cent m vs Kharcha Book

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Cent m

Manage your bank account statements directly on your mobile device. Access your transaction history offline, filter by date, and search by various criteria. Personalize your ledger and share details easily.

Highlights
  • Offline transaction viewing
  • Transaction filtering and search
  • Personalized ledger creation
  • Account/transaction sharing
  • Multilingual support (English/Hindi)
  • Set default account
Features
Read full description

Passbook on your mobile, by Central Bank of India. Use your CIF and registered mobile number to login to the app . OTP will be sent to the registered mobile numbers with the bank. Features include * Fast access. * Offline view. * Filter by transaction date and search by remarks,amount and transaction type. * Option to set default account. * Rearrange entries by ascending or descending order. * Attach/Remove notes to passbook entries. * Option to change number of transactions per page. * Personalise your passbook by creating your own personal ledger and tag/add transactions to it. * Share your account/transaction details using SMS and email. * Refer a Friend * Alerts * Customer Feedback * View Latest Offers * Multilingual Support (English and Hindi)

About

Kharcha Book

Effortlessly track personal or shared expenses with this comprehensive ledger. Manage budgets, split bills with family or roommates, and gain clear insights into your spending habits through visual reports. Supports offline use and real-time notifications for transparent financial management.

Highlights
  • Multi-book management
  • Collaborative expense tracking
  • Quick logging of cash in/out
  • Automatic currency detection
  • Visual income vs. spending reports
  • Offline support
  • Real-time notifications
Features
Read full description

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/

Screenshots

Cent m4 screens
Kharcha Book4 screens

Verdict

The call

The clearest difference is review sentiment: Kharcha Book at 81% against Cent m's 28%. Kharcha Book also leads on rating (4.5 vs 2.7) and update cadence (every 3 weeks vs every 10 months). Cent m's advantage is in-app purchases (none vs 6) and ads (none vs shown). On price, ratings volume 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Kharcha Book sells 6 in-app purchases, starting at $0.99 per month. Cent m asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Kharcha Book holds the better App Store score, 4.5 against 2.7. Both are backed by a comparable volume of ratings — 60 and 60 respectively. Written reviews point the same way: 28% of Cent m's written reviews are positive against 81% of Kharcha Book's.

UpkeepUpdate frequency

Cent m ships an update every 10 months, Kharcha Book every 3 weeks. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.

Scorecard7 real differences · 3 level
Cent m versus Kharcha Book: the parameters behind the verdict, then further details
ParameterCent mKharcha Book
PriceFreeFree
Rating2.7 (60 ratings)4.5 (60 ratings) — better
Positive reviews27.8% of reviews81.1% of reviews — better
Number of ratings6060
Update frequencyEvery 10 monthsEvery 3 weeks — better
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.0 — better15.0
Further details — not scored
Size26 MB58 MB
Age rating4+4+
DeveloperCENTRAL BANK OF INDIAUndivided Media Inc.

Customer experience

Cent m

All ratings60 ratings
Positive38.3%
Neutral11.7%
Negative50.0%
Written reviews54 reviews
Positive27.8%
Neutral5.6%
Negative66.7%

Kharcha Book

All ratings61 ratings
Positive90.2%
Neutral4.9%
Negative4.9%
Written reviews90 reviews
Positive81.1%
Neutral6.7%
Negative12.2%

In-app purchases

None

Cent m

No in-app purchases

6 purchases

Kharcha Book

Subscriptions6
  • Premium Monthly$0.991 Month
  • Premium Monthly1 Month trial$2.991 Month
  • Premium Monthly$2.991 Month
Show 3 more
  • Premium Yearly$4.991 Year
  • Premium Yearly1 Year trial$19.991 Year
  • Premium Yearly$19.991 Year

Questions

Is Cent m free?
Cent m is free to download, with no in-app purchases.
Is Kharcha Book free?
Kharcha Book is free to download, with in-app purchases available.
Which has better reviews, Cent m or Kharcha Book?
Kharcha Book is rated higher. Cent m averages 2.7 out of 5 from 60 ratings, while Kharcha Book averages 4.5 from 60 ratings.
Do Cent m or Kharcha Book have ads?
Kharcha Book shows ads; Cent m does not.
Which is updated more often, Cent m or Kharcha Book?
Cent m ships an update every 10 months, and Kharcha Book every 3 weeks. Most recently, Cent m was updated on November 6, 2026 and Kharcha Book on November 7, 2026.

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