“Mere paas already ek 2-wheeler tha jo maine IDFC Bank se loan par liya tha. Us loan ki sirf 3 mahine ki EMI pending thi. Normally log sochte hain ki jab tak ek loan close na ho, tab tak dusra loan milna mushkil hai. Lekin us waqt mujhe urg…”
Sandeep YadavHajipur★★★★★All-in-one business platform
Your money.
Your money.
Your business.
One clear view.
Manage expenses, billing, inventory, customers and teams with industry-ready tools built for Indian businesses.
- Easy setup
- Secure records
- Controlled team access
Business Packs
View all packs
Same platform. Configured for your industry.
Choose ready-to-use modules and workflows designed around your type of business.
Platform features
View all features
Everything you need to run and grow your business.
Connected tools for everyday finance and business operations.
AccountsManage bank, cash, card and wallet accounts in one workspace.TransactionsRecord income, expenses and transfers with categories.ExpensesTrack and categorise personal or business spending.BudgetsSet spending limits and monitor budget activity.GoalsCreate financial goals and track progress over time.BillsTrack due dates and recurring financial obligations.Loans & EMITrack loan balances, schedules, interest and repayments.Credit CardsManage statements, balances, limits and card payments.Taxes & GSTConfigure tax rates and create tax-aware business records.InvoicesCreate, share and track professional invoices.
Get started in minutes.
Set up only what your business needs.
- 1
Create an accountRegister your KharchaBill account.
- 2
Choose a PackSelect the right business configuration.
- 3
Set up your workspaceAdd the details and team access you need.
- 4
Start workingManage operations and view connected reports.
Customer stories
View all
Experiences shared by our customers.
From our blog
View all
Latest guides and ideas.
How Loan Prepayments Change Interest and Tenure
Understand why a principal prepayment can reduce total interest, shorten tenure, or lower future instalments.
05 Aug 2026Zero-Based Budgeting: Give Every Rupee a Job
Learn how to plan income across essentials, goals and flexible spending without hiding real-world variation.
05 Aug 2026Build an Emergency Fund Without Breaking Your Budget
A practical, calculation-first approach to building an emergency buffer while keeping monthly expenses realistic.
05 Aug 2026Ready to simplify your business?
Start with a workspace and choose a Business Pack that matches your operation.