Meet Ghar Kharcha — Your daily hisab, in seconds

Finance

Ghar Kharcha

Your daily hisab, in seconds

What Ghar Kharcha does

Ghar Kharcha is the little diary your mother kept for household expenses — rebuilt for your phone. Every evening (or right at the shop counter) you note what was spent: sabzi, dudh, rickshaw, mobile recharge, school fees. One tap on a category, type the amount, done. No bank linking, no SMS permissions, no forms with ten fields. Just today's kharcha, written down before it's forgotten.

Under the diary sits a simple envelope system built for cash households. At the start of the month you decide how much goes to groceries, transport, utilities, school and everything else. As you log entries, each envelope fills up, so you can see by the 18th whether the grocery money will stretch to the 30th — before it runs out, not after.

When the month ends, you close the book the way a traditional bahi is closed: a clean monthly summary, totals against budget for every envelope, and a fresh page for the new month. Old months stay archived, so come Ramadan, wedding season or the school-fee quarter, you can look back and see exactly what last year cost.

Ghar Kharcha is 100% offline. There is no account to create, no login, no cloud and no ads following you around. Everything is stored locally on your iPhone with SwiftData, and the app is completely free.

• Log an expense in under five seconds with a big, thumb-friendly numpad • Envelope budgets for groceries, milk, transport, bills, school and your own categories • A daily diary view — see exactly what was spent each day of the month • Month close with totals, over/under per envelope and an archive of past months • Set the household income and watch what's left for the month • Fully offline, no account, no SMS reading — your hisab never leaves your phone

Download Ghar Kharcha and start tonight's hisab — it takes less time than making chai.

A look inside

Tap any screenshot to open the full-resolution version.

What's inside

• Five-second entry — A Today screen with a big numpad and one-tap category chips (sabzi, dudh, transport, recharge, school, bills, other) so a cash purchase is logged in seconds; today's entries list below with a running daily total.
• Envelope budgets — Set a monthly amount per category; each envelope shows spent vs. allotted with a progress bar that turns amber at 80% and red when overspent, plus a sheet to add, rename or re-allocate envelopes mid-month.
• Daily diary — A scrollable day-by-day view of the current month — every day shows its entries and total, exactly like the lined pages of a paper kharcha diary, with any past day editable.
• Month close & archive — Close the month to lock its book: a summary of total spent, over/under per envelope and biggest spending days; archived months are browsable so families can compare festival seasons and fee quarters year over year.

Why we built it

Cash spending leaves no automatic trail — no SMS, no bank feed — so household money quietly disappears into dozens of small daily purchases (vegetables, milk, rickshaw fare, recharge, chai) and families only discover the month's money is gone when it's gone; existing expense apps demand accounts, bank links or multi-f…

What makes it different

Unlike Bahi, which is a shopkeeper's credit (udhaar) ledger tracking what customers owe the shop, and unlike PesaLog, which logs mobile-money wallet transactions and fees, Ghar Kharcha is a personal household cash diary: it tracks the family's own daily spending against monthly envelope budgets and closes each month l…

Who it's for

Freelancers, contractors, and small-business owners who want their numbers right at tax time without renting a SaaS to do it.

In one line: Your daily hisab, in seconds

Try it

See the Your daily hisab, in seconds for the full feature list, the info table, and support links.

Use Ghar Kharcha, found a bug, or have a feature request? Comments are open below — anonymous is fine.