Mera Kharcha was born out of a real, everyday problem I personally faced — managing money had become confusing and frustrating. Payments were happening through multiple UPI apps, bank accounts, cards, and wallets, but there was no single place to clearly see where the money was actually going. Most expense tracking apps either required manual entries, constant updates, or bank logins that felt risky and inconvenient. I wanted something simple, automatic, and private — an app that works quietly in the background without asking users to change their habits. That’s when the idea of using transactional SMS came in. Every bank and UPI app already sends transaction messages, so why not use that data smartly? By combining this with AI, Mera Kharcha automatically reads only financial SMS, understands spending patterns, categorizes expenses, and presents everything in a clean, easy-to-understand way. Privacy was a top priority while building this app. That’s why all data stays on the device, works offline, and never gets uploaded or shared. No bank logins, no ads, no tracking — just honest expense management. Mera Kharcha is built for real people who want clarity, control, and peace of mind when it comes to managing their money.

Mera Kharcha - AI Sms Expense Tracking

An AI-Powered smart app to track all your expenses using sms

An AI-Powered smart app to track all your expenses using sms