Take Control ofYour Financial Life
Track expenses, split bills with friends, automate recurring payments, and manage multiple currencies — all in one clean, ad-free app.
Everything You Need to
Manage Your Money
Everything in Kharcha Diary — on Android and web.
Smart Analytics
See monthly net flow, income vs expense, and spending trends with clear charts and breakdowns.
Multi-Currency
Each account keeps its own currency — NPR, USD, and more — with no forced conversion.
Lend & Borrow
Track money you lend or owe with Sapati — see to receive and to pay balances at a glance.
Recent Activity
Color-coded categories, dates, and amounts in a searchable transaction feed.
Shared Groups
Split bills, track IOUs, and settle up with friends using simplified settlement plans.
Multiple Accounts
Track cash, bank accounts, credit cards, and digital wallets all in one place.
Recurring Expenses
Automate rent, subscriptions, EMIs, and regular payments so you never miss one.
Privacy Mode
Hide balances instantly with one tap when sharing your screen or showing the app.
Your Money, At a Glance
Your Dashboard
Start with a personalized greeting, then swipe through wealth totals across NPR, USD, EUR, and more.
Scroll inside the phone to explore
Good morning, Alex
Your money at a glance
Your Balance
Total Wealth
Rs. 2,45,000
Total Wealth
$ 1,250
Total Wealth
€ 980
Net Flow
- Rs. 12,400
Income
Rs. 85,000
Expense
Rs. 97,400
Net Flow
- $ 42.50
Income
$ 0
Expense
$ 42.50
Net Flow
- € 35.20
Income
€ 200
Expense
€ 235.20
To Receive
Rs. 15,000
To Pay
Rs. 4,500
To Receive
$ 120
To Pay
$ 0
To Receive
€ 50
To Pay
€ 15
Coffee Shop
- Rs. 350
Salary Credit
+ Rs. 85,000
Streaming Plan
- $ 9.99
Wallet Transfer
- Rs. 2,000
Built for Real
Financial Clarity
Whether you're managing personal spending or shared costs with friends, Kharcha Diary keeps everything transparent and easy to follow.
See Where Your Money Goes
Monthly net flow, category breakdowns, and tags help you understand spending patterns.
Log Expenses in Seconds
Smart calculator with real-time expression evaluation makes entering amounts faster than ever.
Shared Expenses Made Simple
Split bills fairly, manage group treasurers, and track who owes what without spreadsheets.
Common Questions
Quick answers about pricing, platforms, security, and how Kharcha Diary works.
Is Kharcha Diary free to use?
Yes. Kharcha Diary is free to use on web and Android. No credit card is required to sign up.
How does multi-currency work?
Each account keeps its own currency — NPR, USD, EUR, and more. We do not auto-convert balances, so your totals stay accurate per currency.
Can I use the web app and Android app together?
Yes. Sign in with the same account on web and Android to access your data across devices.
Is my financial data secure?
We use industry-standard protections, optional two-factor authentication, and secure sign-in options to help keep your account safe.
Does the app show ads?
No. Kharcha Diary is ad-free, with a clean interface focused on your finances.
Track Your Money
Your Way — Web or Android
Free to use, secure, and ready in minutes. Download on Android or sign up on the web to get started.