Give every rupee a job. Manual envelope budgeting built for how India actually spends — no BS, no data sharing.
No credit card · No bank login · 100% private
available to budget
₹12,400
of ₹45,000 salary
0
bank logins
envelopes
₹
India-first
Features
Your money data is yours. No trackers, no selling, no creepy profiling — private by design.
The OG budgeting technique — now digital and desi. Give every rupee a job before you spend it.
You enter every transaction. That friction is the whole point — it makes you actually notice.
UPI, cash, EMIs, SIPs, ₹ in lakhs & crores — all the ways India actually moves money.
Why kharcha
FAQ
thekharcha is a free, privacy-first envelope budgeting app built for India. You enter spends manually — it never connects to your bank — and split your income into category envelopes so every rupee has a job.
Yes. thekharcha is free to start, with no credit card and no bank login required.
No. thekharcha never syncs with your bank. Every transaction is entered manually by design — that small bit of friction is what makes you actually notice your spending.
Envelope budgeting (a form of zero-based budgeting) means dividing your monthly income into category “envelopes” — rent, groceries, eating out, savings — and only spending what each envelope holds.
Yes. Because you log spends manually, thekharcha works for every way India pays — UPI, cash, debit and credit cards, EMIs and SIPs.
Yes. thekharcha is private by design. Your data is tied to your own account, is never sold, and there is no ad tracking or profiling.