Kharcha Diary: Track Expenses

Take control of your financial life with Kharcha Diary, the all-in-one expense tracker and budget manager designed for modern, global citizens. Whether you're tracking personal spending, managing shared expenses with friends, or automating recurring payments, Kharcha Diary provides a clean, intuitive, and powerful interface to keep you on top of your money.

WHY KHARCHA DIARY

• Seamless Tracking — Log expenses and income in seconds with a smart calculator that evaluates expressions in real time.
• Scan a Bill — On Add expense, scan a bill with the camera, a photo, or a PDF (up to three pages). Reading happens on your iPhone. The image is not uploaded to be read. Preview the lines, then save the whole bill or each item. You can edit it before saving. The file can stay as the receipt. English text only.
• Shared Groups — Split bills by amount or percent, track IOUs, and see who owes who with simplified settlement plans.
• Managed Groups — Assign a treasurer to manage a central fund, accept contributions, and keep a transparent ledger for all members.
• Loans — Lend or borrow with a contact, track simple or village/compound interest, confirm payments on both sides, see an interest breakdown, move a completed sapati into a loan, and preview totals with the built-in interest calculator.
• Budgeting — Set budgets by category or account and get alerts before you overspend.
• Automate Your Life — Set up recurring transactions for rent, subscriptions, and bills so you never miss a payment.
• Stay Organized — Attach notes to transactions, keep a notes library, and manage a to-do list for financial tasks.
• Receipts and Files — Attach a photo or PDF to an expense, loan, sapati, or payment. Crop a photo before it is saved. Settings → Storage shows space used and lets you delete a file. An account can have a logo from the camera or your photos.
• Built for Nepal & Beyond — Switch to the Bikram Sambat calendar with B.S. numerals, and use the app in English, Hindi, or Nepali. Plus support for all international currencies and a built-in country code selector.
• Powerful Insights — Visualize spending with charts and breakdowns by category, tags, and time.
• Find Anything, Instantly — Global search finds any transaction, contact, group, note, or to-do in seconds, online or offline.
• Never Miss a Beat — Local and push notifications for bills, budgets, settlements, and an optional spending summary, plus a home screen widget for an at-a-glance balance.
• Works Offline — Keep logging expenses without a connection; everything syncs automatically once you're back online.
• Privacy Mode — Hide all balances and sensitive amounts with a single tap, perfect for public use.
• Biometric & 2FA — Secure your account with two-factor authentication (Authenticator App or Email) and biometric lock.
• Download your data — Request a copy of your records from Settings.
• Account deletion — From Settings, schedule deletion of your account and associated data. You stay signed in for 30 days and can cancel anytime.

KEY FEATURES

• Scan a bill into an expense (on your iPhone; up to three pages)
• Detailed transaction history with advanced search & filtering
• Customizable categories with icons
• Tagging system for granular expense analysis
• Multi-account & multi-currency support
• Budget tracking with alerts
• Loans with interest tracking, breakdown, calculator, and Move to loan from sapati
• Notes & to-do lists
• Receipts, PDFs, account logos, and a Storage screen
• Home screen widget
• Global search (online & offline)
• Download your data
• Account deletion from Settings (30-day cancellation window)
• Bikram Sambat (Nepali) calendar + English/Hindi/Nepali language support
• Offline mode with automatic sync
• Customizable bottom navigation
• Pending contribution management for group treasurers
• Clean, modern, ad-free interface