Know the health of your money, not just where it went.
Hamara Kharcha is an all-in-one personal finance tracker built for Indian households. Track everyday spending, budgets, loans, EMIs, insurance, investments and gold in one simple app.
Free to download. Available for iPhone & Android.
One app for your household's complete financial picture.
Most finance apps do one thing. Hamara Kharcha covers every corner of your household budget, so you're not juggling five different apps to see where you stand.
The piecemeal approach
- ✕ One app for expenses and budgets
- ✕ A spreadsheet for loans and EMIs
- ✕ Another app for investments
- ✕ Reminders app for bills and insurance renewals
Hamara Kharcha
- ✓ Transactions, budgets & monthly reports
- ✓ Loans, EMIs & credit card balances
- ✓ Investments with SIP corpus projector
- ✓ Insurance policies with renewal reminders
Everything your household needs to track, in one place
One app, one household, one clear picture of where you stand and where you're headed.
Financial Health Score
A single score out of 100, covering savings rate, emergency fund and debt load, recalculated every month.
Transactions
Log income and expenses by category, with recurring templates for regular bills and salaries, so nothing slips through.
Net Worth & Emergency Fund
See everything you own and owe in one number, with a dedicated emergency fund tracker built in.
Budgets that warn you
Category budgets with green/amber/red thresholds, so you know at a glance what's under control.
Reports & Trends
See spending by category and income vs expense trends over time, so you can spot patterns and plan ahead.
Loans, EMIs & Credit Cards
Track every loan and card with interest rate, remaining tenure, and a real payoff ETA, not just a balance.
Investments & SIP Projector
MF, SIP, FD, RD, PPF, NPS, stocks and gold, with a SIP corpus projector showing where your investments are headed.
Insurance Renewals
Keep life, health and vehicle policies organised with premium amounts and renewal dates, and get reminded before anything lapses.
Share with your household
Invite family members to a shared household so everyone can log and see expenses together. Perfect for couples, roommates and families managing money as a team.
Built for Indian households, not adapted for them
Hamara Kharcha thinks in ₹ from the ground up: joint expenses, family categories, and the people who help run the house. It's designed around how Indian households actually manage money, not a foreign template with the currency symbol swapped out.
Track everything your household spends, owes, and earns
Download Hamara Kharcha free and get your complete financial picture in minutes.