When we built Mera Kharcha, we solved one specific problem: people in India had no easy way to see where their money was actually going. Bank apps showed balances. UPI apps showed transactions. But nothing connected the dots automatically, across all accounts, in one place.
The solution — reading your bank's own SMS alerts, locally on your device, with zero manual input — worked. And it turns out, the problem wasn't unique to India.
People in Lagos, Manila, Dhaka, Nairobi, and Dubai all get the same transaction SMS from their banks. They all juggle multiple payment methods. They all reach end-of-month wondering where it all went. The problem is universal. So today, so is Mera Kharcha.
We're Now Live in 16 Countries
Mera Kharcha is officially available in:
- 🇧🇩 Bangladesh
- 🇪🇬 Egypt
- 🇬🇭 Ghana
- 🇮🇳 India
- 🇮🇩 Indonesia
- 🇰🇪 Kenya
- 🇲🇾 Malaysia
- 🇳🇵 Nepal
- 🇳🇬 Nigeria
- 🇵🇰 Pakistan
- 🇵🇭 Philippines
- 🇸🇦 Saudi Arabia
- 🇱🇰 Sri Lanka
- 🇹🇿 Tanzania
- 🇦🇪 United Arab Emirates
- 🇻🇳 Vietnam
If you're in any of these countries, you can download Mera Kharcha right now — free, on Android — and start seeing your complete financial picture within minutes of installation.
Why These 16 Countries?
We didn't pick these countries randomly. Every one of them shares a financial reality that makes Mera Kharcha particularly relevant.
All 16 are mobile-first economies. People don't manage money on laptops with spreadsheets — they manage it on Android phones, through banking apps, mobile wallets, and SMS alerts. In Nigeria, people use bank USSD codes and get SMS confirmations. In Kenya, M-Pesa sends a transaction message for every transfer. In Indonesia, GoPay and OVO ping you after every payment. In Pakistan and Bangladesh, mobile banking penetration is growing faster than traditional banking ever did.
In every single one of these markets, the bank SMS is already there — sitting in your inbox, unread after a quick glance, never properly used. Mera Kharcha changes that.
What Makes Mera Kharcha Different From Every Other App
Most personal finance apps in these markets ask for one or more of the following: your bank login credentials, access to your account via open banking API, or manual transaction entry. Every one of these has a serious problem.
Giving an app your bank login is a security risk — plain and simple. Open banking APIs aren't available in most of the countries we've launched in. And manual entry? We already know how that ends. You do it for a week and then stop.
Mera Kharcha works differently. It needs exactly one thing: permission to read your SMS messages. That's it. Your bank already sends you a text message every time you spend money. Mera Kharcha reads those messages, locally on your phone, extracts the transaction details, and builds your expense record — automatically, privately, and continuously.
Nothing leaves your phone. No bank login. No syncing your transactions to a server. No manually typing in what you spent at the grocery store. It just works, in the background, every day.
The Problems We're Solving, Country by Country
The specific financial pain points look slightly different depending on where you are — but they all trace back to the same root cause: no visibility.
In Nigeria and Ghana, people often use multiple bank accounts and mobile money wallets simultaneously. Tracking all of them in one place has historically required separate apps for each provider — or spreadsheets. Mera Kharcha reads transaction SMS from all of them and puts everything in one view.
In Kenya and Tanzania, M-Pesa is central to daily financial life. Every M-Pesa transaction generates an SMS. Mera Kharcha reads those messages and automatically tracks your mobile money spending alongside any bank account activity — unified, effortless.
In Pakistan and Bangladesh, a large number of people receive salaries in cash or through bank transfers but have little visibility into where it goes by the end of the month. Mera Kharcha's automatic tracking and month-end summaries give people a clear picture of their spending patterns — many for the first time.
In Saudi Arabia and the UAE, expatriate workers — often sending remittances home — need to stay on top of spending tightly. Mera Kharcha tracks every debit and credit, including international transfer alerts, so nothing slips through.
In Indonesia, Malaysia, Vietnam and the Philippines, digital wallet usage is among the highest in the world. GoPay, GrabPay, Maya, MoMo — all of them send SMS or notification-based alerts. Mera Kharcha reads them all and builds a consolidated expense picture across every payment method.
In Nepal and Sri Lanka, the challenge is often the same as in India was a few years ago: growing smartphone adoption, multiple banks, and no single tool that connects them all without requiring your passwords. Mera Kharcha is that tool.
Your Data Stays Yours — Everywhere
Expanding to 16 countries doesn't change our core commitment to privacy. In every country we operate in, the same rule applies: your SMS data is processed locally on your device. We don't upload it. We don't store it on servers. We don't sell it. Your financial data belongs to you — and it stays with you.
This isn't just a policy statement. It's how the app is built. There is no server endpoint that receives your transaction data. Your expense history lives on your phone, and nowhere else unless you choose to back it up to your own Google account.
What's Coming Next
Launching in 16 countries is the beginning, not the destination. Here's what we're actively building for our global users:
- Multi-currency support — automatic currency detection based on your SMS content, with conversion summaries for expats managing money across borders
- Local language support — expanding beyond our current 8+ Indian languages to include Arabic, Bahasa Indonesia, Swahili, Filipino, and Vietnamese
- Region-specific bill reminders — understanding local payment cycles and recurring bill patterns in each market
- Remittance tracking — for users who regularly send money home, a dedicated view of international transfer activity
Download Now — It's Free
Mera Kharcha is free to download on Android. No subscription required to get started. No bank login. No setup that takes 20 minutes. Install it, grant SMS permission, and within minutes you'll have a complete picture of your recent spending — automatically built from the messages already sitting in your inbox.
Whether you're in Mumbai or Manila, Nairobi or Karachi, Lagos or Dubai — your money deserves better than guesswork.
Download Free on Play Store
