1. Filter on your phone
Mera SMS looks for business payment messages with an amount. It filters out phone-number senders, detected codes, spam, and promotional senders.
MERA SMS + MERA KHARCHA
Track expenses automatically
from payment SMS.
Mera SMS finds the payment. Mera Kharcha tracks it.
Use the same Google account
and turn on auto-tracking.
Optional. Off by default. The same Google account in both apps.
THE SETUP
Set it up in five steps.
You do not need your bank password, card PIN, or a banking OTP.
Need a hand?-
01
Install the two apps.
Mera Kharcha is your expense tracker. Mera SMS is your messaging app. Install both from Google Play. -
02
Make Mera SMS your default SMS app.
Open Mera SMS and choose “Set as messaging app.” Accept Android’s confirmation. This lets Mera SMS receive and organize your messages. Mera Kharcha does not need SMS permission. -
03
Use the same Google account in both.
Sign in to Mera Kharcha with Google. In Mera SMS, open Settings → Mera Kharcha and sign in with the exact same email address. For example: alex@gmail.com in both apps. -
04
Turn on Auto-track payments.
In Mera SMS settings, turn on Auto-track payments. Read what will be sent, then choose “Agree and turn on.” Until you agree, your payment messages are not sent for expense tracking. -
05
Open Mera Kharcha and review.
The first sync checks eligible payment messages from the last 90 days. When payments are waiting, Mera Kharcha shows a review. Select the payments you want to add and confirm. The ones you leave unselected are discarded when you confirm.
WHAT HAPPENS BEHIND THE SCENES
What happens to your payment SMS.
2. Send eligible messages
With your consent, sender, message text, and time are sent over HTTPS to our server. The server checks the payment and stores it in your account.
3. Review in Mera Kharcha
Choose which payments to add. Imported expenses show that they came from SMS, the source phone, and the original message.
For example
A supported bank sends “Your card was charged $42.50 at a grocery store.” Mera SMS can send that eligible alert to our server. Mera Kharcha then shows a payment to review. The format must be supported; this example is not a promise of support for every bank or currency.
It checks again in the background.
Sync is scheduled about every three hours when online. Android can delay background work. Tap Sync now in Mera SMS when you want to check sooner.
Keep the final say.
Open the message to check the details. Select individual payments or Select all. Cancel leaves them waiting. Turn review off in Mera Kharcha only if you want future imports added directly.
Pause whenever you like.
Open Profile → Auto-track payments in Mera Kharcha. Rename a phone, pause it, or remove it. Removing a phone stops its imports; it does not erase its past expenses.
FAQ
If something doesn’t look right
I installed both apps. Why are there no expenses yet?
Installation alone does not connect them. Check that both show the same Google email, Mera SMS is your default SMS app, Auto-track payments is on, and you accepted the disclosure. Connect to the internet, tap Sync now in Mera SMS, then open Mera Kharcha to review waiting payments.
I used two different Google accounts. What should I do?
Payments belong to the account signed in to Mera SMS. Sign in to both apps with the same Google email before enabling sync. Switching accounts does not transfer payments already imported into another account.
Will every payment appear?
No. Detection depends on an eligible SMS arriving and on its sender, amount, wording, and supported format. Personal messages, verification codes, and messages identified as spam or promotional are filtered out. Cash payments and unsupported messages need manual entry. Review imported amounts and categories for mistakes.
How quickly does it sync?
There is an initial sync when you enable it, then a background job scheduled about every three hours while online. Android’s battery and background restrictions can delay it. You can also tap Sync now. It is not a live bank connection.
What happens to payments I do not select?
When you confirm the review, selected payments are added and unselected payments are discarded. Their message text is removed, while a record is kept to prevent importing them again. Cancel closes the review without deciding; the payments remain waiting.
Can payments be added without reviewing each one?
Yes. In Mera Kharcha, open Profile → Auto-track payments and turn off “Check payments before adding.” Future imports can then be added directly. Check your records regularly for detection mistakes.
Can I stop syncing or remove a phone?
Yes. Turn Auto-track off in Mera SMS, or manage phones in Mera Kharcha under Profile → Auto-track payments. You can rename, pause, or remove a phone. Signing out of Mera SMS also stops sending from that phone. Already imported expenses remain until you delete them. If you set up a removed phone again, it comes back as the same phone. Reinstalling Mera SMS doesn’t add your phone twice.
What if Auto-track payments is missing from settings?
Check that both apps are up to date. Availability can be controlled by the service, so the setting may be temporarily unavailable. If it is still missing, contact support. You can continue adding expenses manually.
What you agree to when you turn it on.
Payment-message text is stored with imported payments. Learn how syncing, retention, and deletion work.
FREE ON ANDROID
Track expenses. Sort your SMS.
Mera Kharcha for expenses, Mera SMS for messages, or both to track payments automatically.