Hamara Kharcha brings income, expenses, loans, EMIs and SIPs into one shared view your whole household can see — in lakhs and crores, the way you actually think about money.
No more separate notes apps, bank statements and mental math — one dashboard for the whole family.
Log salary, side income, and spending by category — with support for monthly, quarterly and annual recurring items, auto-spread into monthly averages.
See outstanding balances, EMI schedules, an interest-vs-principal breakdown, and a "what if I prepay ₹X extra" calculator — plus rent-offset for let-out properties.
Track what's already invested and what's committed going forward — mutual funds, PF/VPF/NPS, recurring deposits — with a running corpus total.
Invite your partner or family with a join code. Admins and members see the same numbers in real time — no more "who paid for what" confusion.
Get nudged about upcoming EMI due dates, SIP debits, and logging reminders so nothing slips through the cracks at month-end.
Month-on-month comparisons, a financial-year (April–March) view that matches how India plans around tax season, and one-tap PDF/Excel export to share or archive.
No spreadsheets to maintain, no bank logins to connect — just enter what matters to your family.
Sign in with your phone number, set up a household, and invite the people you share money decisions with.
Add income, expenses, loans and SIPs once — recurring items keep tracking themselves every month after.
A live dashboard shows your surplus, spending mix, EMI load, and the wealth you're building — together.
We're polishing the app for launch. Drop your email and we'll let you know the moment it's ready.