A month you can balance
Income lands in Ready to Assign and stays there until you put it in a category. The month view shows assigned, spent, and what is left, per category, as you go.
Zero-based budgeting
Give every rupee a job before it leaves.
Kharcha is an envelope budget for real income: what you have, not what you expect. Assign this month's money until nothing is left over, then spend against the plan you made.
Ready to assign
Rs 14,000
RentRs 22,000
GroceriesRs 9,000
TransportRs 3,500
Emergency fundRs 0
Rs 14,000 still needs one.
What you get
Everything the month needs, nothing that guesses for you.
Accounts that match the bank
Checking, savings, credit card, and cash. Reconcile against a statement balance and Kharcha works out the adjustment for you.
Statement import
Drop in a PDF or spreadsheet from your bank or wallet. Rows are parsed, duplicates are flagged against what you already have, and nothing is written until you commit the batch.
Edits that keep the history
Changing a transaction writes a new version and keeps the old one, so last month's numbers do not quietly change under you.
Categories, groups, and labels
Group categories the way you think about them, then label them across groups — needs, wants, savings — and read spending by label.
Loans, kept honest
Loan accounts sit off-budget. Record what changed hands, then log repayments as they happen — you decide how much of each one is principal and how much is interest.
Reports that answer questions
Spending by category, income against expenses, per-category trend by month, assigned against actual, and spending by label — all over any date range.
Your currency, your names
Amounts are stored as whole minor units and shown with your currency's symbol. Nepali rupees by default, changeable in settings.
Talk to it
Connect ChatGPT or Claude and work your budget in a conversation: paste a statement, categorise what came out, ask where the money went.
How a month goes
Five moments, in the order they actually happen.
Salary day
Income arrives in Ready to Assign
Nothing is spent from it yet. It is the only pool that is allowed to sit uncategorised, and getting it to zero is the whole job.
Same evening
You assign it, down to zero
Rent, groceries, the emergency fund. Assigning is setting the month's total for a category, not adding to it, so a second pass never doubles anything.
All month
Spending lands against categories
Add transactions as you go, or import the statement in one batch at the end. Uncategorised expenses are called out, because they make the budget look richer than it is.
Overspent
You move money, not the goalposts
Groceries went over? Take it from somewhere that did not. The month stays balanced because the money came from a real place.
Month end
Reconcile, then start the next month
Match each account to its statement balance, take the adjustment if there is one, and carry the rest forward.
New to budgeting
Not sure what to budget for? Let an AI ask.
One prompt, pasted into ChatGPT or Claude, interviews you about your income, bills, festivals and goals — then hands back the accounts and categories to create in Kharcha, and how to assign your first month.
Kharcha in your chat window
Paste a statement into ChatGPT. Get a categorised month back.
Kharcha is a remote MCP server, so ChatGPT and Claude can read your budget and — with your say-so, every time — write to it. Nothing moves without you agreeing in the conversation.
YouHere is my Nabil statement for July. Put it in the checking account.
Kharchastage_transactions → 38 rows, 2 look like duplicates
Assistant36 rows are new. The two duplicates match transactions you already have on 12 and 19 July, so I have left them out. Nine rows are uncategorised — want me to file them?
YouYes, then commit it.
Kharchacategorize_import_rows → 9 filed · commit_import → 36 written
On your phone
The apps are on the way. Your budget already fits in a pocket.
Kharcha runs in any phone browser today — same account, same month, nothing to install. Native iOS and Android clients are in build, with offline entry and statement import from the share sheet.
- iOSApp StoreComing soon
- AndroidGoogle PlayComing soon
No date promised. When they ship, they ship — and budgeting stays free on every device.
Before you sign up
The questions people actually ask.
Is Kharcha free?
Budgeting is free: accounts, categories, loans, reconciliation and reports, with no device limit. Statement import is the paid part — the first five imports are free, after which Pro is a one-time payment rather than a subscription.
Does it work in Nepali rupees?
Yes. NPR is the default currency, prices are in NPR, and payment goes through eSewa or Khalti. The currency can be changed in settings if you budget in something else.
Can it read my bank or wallet statement?
Drop in a PDF, XLS or CSV from a Nepali bank, eSewa or Khalti. Columns are detected for you and your layout is remembered for next time, duplicate rows are flagged against what you already have, and nothing is written to the budget until you commit the batch.
What is zero-based budgeting?
Every rupee you have actually received gets assigned to a category until nothing is left unassigned. You budget money you hold, not income you expect, and when a category goes over you move money from another one rather than moving the goalposts.
Can I use it with ChatGPT or Claude?
Yes. Kharcha is a remote MCP server, so you can add it as a connector, paste a statement into the chat, and have the month categorised in conversation. Writes are explicit — nothing changes without you agreeing in the conversation.
Does it track loans?
Loan and receivable accounts sit off-budget. Record what changed hands, then log repayments as they happen — you decide how much of each one is principal and how much is interest. No fixed schedule to keep up with.
Is there an iOS or Android app?
Not yet. Native iOS and Android apps are in build and will be announced here when they land; there is no release date to quote. Until then Kharcha runs in a phone browser with the same account and the same budget, and budgeting stays free on every device.