# thekharcha

> thekharcha is a free, privacy-first **envelope budgeting app built for India**. It never connects to your bank — you log UPI, cash and card spends manually, split your income into category "envelopes", and give every rupee a job. Website: https://www.thekharcha.com

## What it is
- A manual, **no-bank-sync** personal finance / budgeting app.
- Uses the **envelope method** (a form of zero-based budgeting): income is divided into category envelopes (rent, groceries, eating out, savings, etc.) and you only spend what each envelope holds.
- **India-first**: ₹ (INR) formatting, lakhs/crores, and the way India actually pays — UPI, cash, debit/credit cards, EMIs and SIPs.
- **Free** to start. No credit card and no bank login required.
- **Private by design**: data is tied to your own account, never sold, no ad tracking or profiling.

## Who it's for
Salaried professionals, freelancers, students and homemakers in India who want to budget intentionally without linking bank accounts.

## Key features
- Manual expense tracking (no automatic bank sync, ever).
- Envelope budgeting with 50/30/20 and 70/20/10 presets.
- Move money between envelopes when one runs short.
- Monthly review and rollover of unspent budget.
- Overspending is allowed but always warned, never blocked.

## FAQ
- **Is it free?** Yes — free to start, no card, no bank login.
- **Does it connect to my bank?** No. Never. Every transaction is entered manually by design.
- **Does it support UPI and cash?** Yes — because entry is manual, it works for UPI, cash, cards, EMIs and SIPs.
- **Is my data private?** Yes — private by design; your data is never sold and there is no tracking.

## Links
- Home: https://www.thekharcha.com/
- Sign up / sign in: https://www.thekharcha.com/auth
- Privacy: https://www.thekharcha.com/privacy
- Terms: https://www.thekharcha.com/terms