Early access
Kharcha reads the payment alerts your bank already sends you.
Free forever on one bank account.
Why it slips
We watched 40 people try to reconstruct one month of spending.
Most people close it, rightly.
61 payments look like 61 strangers.
No SMS, no entry.
Kharcha reads the alerts you already receive.
What it does
One permission, parsed locally.
Applied backwards and forwards.
A number pad and a category.
Before you cross it, not after.
A running balance per person.
Backup is opt-in and encrypted.
The app, in detail
A ring, a list, and a row you can correct in one tap.
The month ringSpent, budgeted, and what the run rate says you will finish on.
Nine categoriesRename them, merge them, or set a cap on any one of them.
One row, correctedRename the handle once and every payment to it, past and future, follows.
Getting started
No import, no CSV, no CA.
In early access
Honestly compared
A spreadsheet is better at one thing.
Who is building it
Meghna and Arjun had the same abandoned spreadsheet.
The hard part was never the app.
Cohorts 1 and 2
Where it actually goes
Cohort 3
Invites go out in the order requests arrive.
Founding price ends 5 October.
Only 313 of 2,000 invites are still open — invites claimed so far.
Join the cohort
Pick a plan and tell us which bank you use most.
Before you ask for one
Missed this one?
One email, when there are invites again.