Hey hunters 👋

I'm Ritesh, and I built thekharcha because every budgeting app I tried wanted to log into my bank account. I get why — auto-sync is convenient. But it also means handing over your financial life to a third party, and (for me) it killed the one thing budgeting is supposed to do: make you notice your spending.

So I went the other way. thekharcha is manual on purpose and never syncs with your bank:

💌 Envelope method — split your income into category envelopes (rent, groceries, eating out, SIPs…) and give every rupee a job before you spend it.

✍️ You log each spend — UPI, cash, card, EMI. That two-second friction is the feature. It's what makes you think twice.

🇮🇳 Built for India — ₹ in lakhs/crores, Indian categories, presets like 50/30/20 and 70/20/10.

🔒 Private by design — no bank login, no trackers, no selling your data, no ad profiling. Your numbers are yours.

🆓 Free to start — no card required.

It's a PWA, so you can add it to your home screen and it works like an app.

I'd genuinely love feedback from this community — especially from fellow Indians on which categories and budgeting rules you'd want built in. What would make you switch from a spreadsheet (or from doing nothing 😅)?

👉 https://www.thekharcha.com