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Ritesh Bhatt
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thekharcha
Envelope budgeting for India. No bank sync, ever.
Jun 2026
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July 26th, 2020
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Ritesh Bhatt
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1d ago
thekharcha - Envelope budgeting for India. No bank sync, ever.
thekharcha is a free, private envelope-budgeting app built for India. It never connects to your bank — you log UPI, cash and card spends by hand, split your income into category envelopes, and give every rupee a job. Your money data stays yours.
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