Features
Kharcha App & Expense Tracker for Budget & Loan Management.
Expense tracker, budget tracker, loan tracker, and debt management — all powered by AI in one kharcha app.
AI-Powered Categorization
Auto-categorize transactions with impressive accuracy so you spend less time on manual cleanup. The system continuously learns your habits and keeps categories consistent as your spending evolves.
Why it matters: cleaner books than manual spreadsheet tagging.
Visual Spending Reports
Interactive charts surface trends and outliers that are easy to miss when you scan rows in a spreadsheet. Track progress over time with clean visuals that make decisions faster.
Compare to spreadsheets: see patterns instantly, not after hours of sorting.
Real-time Cloud Sync
Your data stays synchronized across all devices in real time with no export or import steps. Start on mobile and continue on desktop without losing context.
Why it matters: one source of truth everywhere you work.
Budget Alerts & Templates
Set custom thresholds so you get warned before overspending becomes a monthly surprise. Templates let you launch new budgets in seconds with a repeatable structure.
Why it matters: proactive control instead of end-of-month damage checks.
Loan Management
Track loans, borrowers, due dates, and repayments without juggling spreadsheet tabs. Automated reminders help you follow up on time so balances stay accurate.
Compare to spreadsheets: no manual follow-up lists or missed due dates.
AI Chat Assistant
Ask your AI financial advisor questions in plain language and get clear, contextual answers. Use personalized guidance to build better habits based on your actual spending behavior.
Why it matters: guidance you can act on, not static reports.
Bikram Sambat Support
Full Nepali calendar integration keeps your records aligned with local planning cycles and events. View and filter entries in Bikram Sambat or Gregorian without conversion friction.
Why it matters: local calendar clarity for everyday finance workflows.
Biometric Authentication
Fingerprint and face recognition protect your account while keeping sign-in quick. Add a stronger security layer without adding extra steps to your routine.
Why it matters: better protection with less login friction.
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Ready to take control?
Launch the app and start building smarter money habits for free.