Your own month, not just group balances
Set a comfort zone and see what’s left until your salary day. Group spends you pay count in your month too.
A Splitwise alternative made for India
Kharchu splits bills with friends, and also tracks your own spending, so your month and your groups live in one app. Made for rupees, UPI and phones that aren’t always online.
Coming soon to theApp StoreAndroid · coming soon
- Split with friends
- Track your own month
- Settle up over UPI
What you get with Kharchu
Two taps to log
Type the amount, tap a category. Splitting a group spend takes the same two taps.
Share a UPI screenshot
Share a payment screenshot from any UPI app and Kharchu fills in the spend for you.
Settle up over UPI
Your UPI app opens with the amount and a note filled in. Record it and the group’s balances update.
Made for ₹
Indian number grouping (₹12,34,567), rupee amounts to the paisa, and sign-in with just your phone number.
Works offline
Add spends anywhere. Everything syncs to you and your group when you’re back online.
Switching, answered
Can I bring my Splitwise groups over?
There’s no import yet. Start a group in Kharchu and invite everyone with one link; it takes a minute.
Is Kharchu only for splitting?
No. It’s an expense tracker first: log your own spends in two taps and see what’s left this month. Groups sit alongside.
Do my friends need the app?
Yes. Everyone in a group signs in with their phone number, so balances stay the same on every phone.
Splitwise is a trademark of its owner. Kharchu isn’t affiliated with or endorsed by it.
Start with your next chai.
Just your phone number. Your first spend takes two taps.
Coming soon to theApp StoreAndroid · coming soon
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