VOICE EXPENSE TRACKER, IN YOUR LANGUAGE
Speak in Hindi, English, Hinglish or the language you think in.
Check the details, tap save, done.
Try Premium free for 7 days.
Voice entry needs Premium and AI allowance.
Chai, petrol, rent, recharges and the family grocery run.
See where your salary
actually goes each month.
01Speak to add
Paid for lunch, a cab, or groceries? Say it in Hindi, English, Hinglish or the language you think in, the way you’d tell a friend. Check the details and save. No typing, and no translating in your head.
“Auto ke ₹80 diye.”
Voice and chat entry need Premium, internet, and AI allowance. Your phone’s speech service turns speech into text, so it works in the languages your phone supports.
02Ask AI
Ask your AI expense tracker where the money went. Compare months, understand a category, or find your biggest expenses without working through a spreadsheet.
“How much did I spend on food this month?”
Premium or a rewarded-ad Day Pass unlocks questions. Allowances apply; a Day Pass lasts until local midnight.
03Family mode
Bring your family’s expenses together. Share an invite code, join the same family, and understand household spending without collecting everyone’s notes.
Joining is free and shares your expense records. Creating a family and viewing other members’ expenses need Premium.
04Bill reminders
Rent, EMIs, credit cards, subscriptions. Set a bill reminder once and choose how often it repeats. Snooze a notification or mark the bill paid when you are done.
Creating or editing reminders and receiving alerts need Premium or your trial. Marking a bill paid does not add an expense.
05Split expenses
Share the cost of a trip, dinner, or flat. Record who paid, see who owes whom, and keep track of settlements in one shared split.
Creating or joining a split needs Premium. Adding your own payments after joining is free. The app records settlements; it does not transfer money.
06Expenses & income
Add expenses and income in a few simple fields. Record cash, UPI, card payments, or other spending, with a date and category. Add a merchant or note when you need more detail.
07Spending charts
Turn your records into a clear view of your spending. Explore categories, payment methods, top places, and a spending calendar for the week, month, year, or dates you choose.
08Categories & search
Create categories and payment methods that make sense to you. Search your expenses, then narrow the results by date, amount, category, or bank and card label.
09Highlights & summaries
Notice a spending category that has grown or a pattern worth checking. Highlights bring changes to your attention; AI summaries explain a chosen period in everyday words.
AI summaries need Premium and AI allowance. Insights depend on your recorded expenses and are not financial advice.
10Account sync
Sign in with Google to access your expenses on another phone. Prefer to try it first? Start as a guest and link Google later, keeping your records and the same trial.
Up to 2 guest accounts per phone. Cached records can be viewed offline; saving and syncing changes need internet.
11Recently deleted
Deleted something you meant to keep? Enable “Keep deleted items for 30 days” and restore eligible expenses, reminders, categories, or payment methods from Recently deleted.
Find it in Profile. With this setting off, new deletions are permanent.
1229 languages
Use Mera Kharcha in English, Hindi, Bengali, Tamil, Urdu, Arabic, Spanish, Chinese, and more. Let it follow your phone’s language or choose your preferred language in Profile.
13Optional SMS auto-tracking
Track eligible bank, card, and UPI payment SMS without linking a bank account. Install Mera SMS, make it your default SMS app, and use the same Google account in both apps.
Off by default. With your consent, eligible payment messages go to our server for processing. Review them in Mera Kharcha. Supported senders and formats vary; not every payment is detected.
FREE OR PREMIUM
Every new account gets a free trial. Guests too.
Prices and available subscription offers are shown in the app, in your region’s currency.
A rewarded-ad Day Pass unlocks AI questions until local midnight, subject to allowance. It does not unlock AI expense entry.
AI allowance applies. Every new account, including guests, gets a 7-day Premium trial. Subscription terms and any Play offers are shown before purchase.
FROM OUR USERS
See what Mera Kharcha users are sharing.
“Finally an app that tracks my SBI and HDFC accounts together. No manual entry at all — it just reads my SMS and everything is there.”
“I used to forget my EMI dates every month. The automatic reminder feature is a lifesaver. No more late fees!”
“Best expense tracker I've used. Works with PhonePe, GPay, Paytm — everything automatically. And it's completely free!”
“The split money feature is so useful for trips with friends. We tracked every expense automatically and settled at the end. Zero confusion!”
“I was skeptical about SMS access but all my data stays on my phone. Checked the privacy policy — nothing is uploaded. Complete trust.”
“Available in Gujarati! Finally a finance app that speaks my language. Tracks everything from my Kotak and Axis accounts seamlessly.”
“My salary used to disappear by the 20th every month. Now I can see exactly where it goes. Reduced my food delivery spend by 30%!”
“Caught a duplicate charge from a subscription I forgot about. Saved ₹599/month! This app pays for itself — and it's free anyway.”
FAQ
“My Expenses”. Kharcha is Hindi for spending, so Mera Kharcha is the app for your daily kharcha, monthly kharcha and household spending.
Open voice entry, say what you spent in Hindi, English, Hinglish or your own language, review the details, and save. Your phone’s speech service turns speech into text, so it works in the languages your phone supports. Voice and chat entry need Premium, an internet connection, and AI allowance.
Manual expense tracking, charts, and search are free with ads. Every new account, including guests, gets one 7-day Premium trial. Voice entry, bill reminders, and some sharing features need Premium. AI allowances apply.
No bank-account linking or bank password is needed. Enter payments yourself, or use optional payment SMS imports through Mera SMS with consent and the same Google account in both apps. Mera Kharcha itself does not read SMS.
Yes. Add cash, UPI, card, and other payments manually or with Premium voice entry. SMS auto-tracking only works when an eligible, supported payment message is received.
Yes. Use manual expense tracking in your selected currency and choose from 29 app languages. Automatic SMS detection depends on supported sender and message formats and is not guaranteed for every bank or country.
Build the habit of recording payments by voice.
From the blogExplore questions you can ask about your money.
From the blogMake household spending easier to understand.
Some articles describe earlier app versions. These product pages explain how the apps work today.
Free everyday tracking. Optional Premium.
iOS coming soon.