Track money.
Build wealth.
Live stress-free.
KharchaBill brings expenses, accounts, budgets, loans, cards, goals and financial insights into one secure, connected workspace.
Everything you need for daily money
Every module works from the same user-isolated ledger, so balances, budgets and reports stay consistent.
Track expenses
Categorised income and expense records.
Accounts
Cash, bank and credit accounts together.
Smart budgets
Compare planned limits with actual spending.
Loans & EMI
Principal, interest and repayment schedules.
Credit cards
Balances and payments without double-counting.
Goals
Progress backed by recorded contributions.
Net worth
Assets minus liabilities, clearly calculated.
Reports
Filter, compare and export your records.
Real calculations first.
Optional AI second.
Core totals are calculated deterministically from your records. Optional AI can explain summaries only when you explicitly enable it.
Start building a clearer financial picture.
No credit card is required for the Free plan.