GPT-Powered Insights
Tap once to get a personalized spending analysis from GPT — based on your income, expenses, and top category for the month.
Now in Open Testing
Android & iOS
Your money,
understood.
An AI-powered mobile app that categorizes your spending, forecasts savings, and surfaces insights you'd never find in a spreadsheet.
Open testing on Google Play — install directly, no signup required.
Android — Open Testing
iOS — Coming Soon
KharchaGPT
AI Smart Insight
You've spent 12% more on dining this month
CURRENT NET WORTH
₹24,592.00
+2.4%
INCOME₹5,400
SPENT₹3,120
LAST 7 DAYS
₹3,120
TOP CATEGORY
Food
GroceriesToday
-₹142
SalaryYesterday
+₹1,200
GPT
Powered insights
100%
On-device data
<2s
To log a txn
0
Ads, ever
Features
Everything you need,
Everything you need,
nothing you don't.
No bloated dashboards. No confusing charts. Just the tools that actually help you manage money better.
Bento Dashboard
A 7-day spend sparkline, top category breakdown, and net worth hero — your month at a glance, not buried in menus.
Month Time-Travel
Jump between months with a tap. Every screen re-scopes automatically — budgets, forecasts, summaries, everything.
Multi-Account Ready
Sign in with any email and your data stays yours. Switch accounts on the same device without mixing transactions.
Rupee-Native
Built for India first. INR formatting (₹1,00,000), local date labels like "Today" and "Yesterday", and Indian category presets.
Your Data, Your Device
Transactions live in a local SQLite database. Nothing syncs uninvited. Delete your account and your data goes with it.
Built different
Not another
Not another
budgeting app.
KharchaGPT is designed around the Indian rupee, tuned for speed, and quietly powered by AI when you want a second opinion.
AI Insight — Live Example
✨
Smart Spending Insight
Powered by GPT
You've spent ₹18,240 this month — 62% of it on Food & Dining. At this pace, you'll save roughly ₹7,200. Try capping dining at ₹12k next month to push savings past ₹10k.
Insights that sound human.
No cryptic charts. Just plain-language analysis tuned to your actual month — income, expenses, and where your money actually went.
7-day pulse
Spend sparkline.
7 days of spending, always visible. Spot spikes before they become habits.
Private by default
🔒
Local-first storage.
Every transaction is scoped to your account and stays on your phone. Switch users, data stays isolated.
Swipe to action
Grocery
Groceries
-₹1,240
🗑
Swipe to delete.
No long-press menus. No nested screens. Just iOS-native gestures that feel instant.
➤
FAB menu
One tap to add.
Expense, income, or scan — from anywhere in the app via the floating action button.
How it works
Three taps to clarity.
01
Log it
Tap the + button, enter amount, pick a category. Done in 2 seconds.
02
Understand it
AI analyzes your patterns and surfaces insights on your dashboard automatically.
03
Save more
Get spending forecasts and budget progress tracking that keeps you on target.