Open the app
Free · works offline · built for PKR

Every rupee,
with a job.

Kharcha splits your income 50 / 30 / 20 into needs, wants and savings, then tells you what is safe to spend today. No bank login. No ads. Your numbers stay on your phone.

Start freeSee how it works

Installs from your browser · iPhone and Android

50 / 30 / 20Rs · PKRWorks offlineBills & due datesNo adsFree

THE RULE

Three buckets.
One simple rule.

Needs

50%

Rent, ration, bills, transport, health. What keeps life running.

RentRs 65,000
RationRs 28,000
Wants

30%

Eating out, chai, shopping, trips. Spend it without guilt.

Eat outRs 3,200
ShoppingRs 12,000
Savings

20%

Emergency fund and investments. Paid first, not last.

EmergencyRs 30,000
InvestRs 20,000

SAFE TO SPEND

Know what you can spend today.

Kharcha divides what is left in each bucket by the days left in the month. One number, no spreadsheet.

  • Per-day allowance for Needs, Wants and Savings
  • Warns you before a bucket runs out
  • Split is editable if 50 / 30 / 20 is not yours

BILLS

Bills that never ambush you.

Add IESCO, Sui Gas, internet or rent once. Kharcha counts down to every due date and reminds you two days early.

  • Monthly, yearly or one-off bills
  • Due-in-days tags, sorted by what is next
  • Reminder before each due date

CALENDAR

See your week at a glance.

Switch between month and week. Every day shows what went out, tap a day to see each entry.

  • Month and week views
  • Daily totals as simple bars
  • Jump from a day straight to its entries

HOW IT WORKS

Set up once.
Log in seconds.

1

Set your income

Enter what comes in each month. Kharcha sizes the three buckets for you.

2

Log what you spend

Amount, category, paid with. Done in about five seconds.

3

Watch the month

See each bucket fill up and what is left to spend.

PRIVACY

Your money data stays on your phone.

Kharcha is offline-first. Everything is saved on your device, so it opens fast with no signal and nobody else holds your numbers.

Works offlineAdd and edit entries anywhere. No internet needed.
Optional backupSign in with your email or Google to sync. Skip it and nothing leaves the phone.
App lock4-digit passcode and Face ID.

INSIDE THE APP

Every screen,
considered.

9:415G 82%
Transactions
Search note, category
AllNeedsWantsIncome
October 2026Out Rs 68,200
ChaiWants · Today, 11:40 AM
−Rs 3,200
RationNeeds · 14 Oct
−Rs 12,400
Electricity (IESCO)Needs · 8 Oct
−Rs 7,600
RentNeeds · 1 Oct
−Rs 45,000

Activity

9:415G 82%
Calendar
MonthWeek
October 2026Out Rs 68,200 · In Rs 250,000
MTWTFSS
28
29
30
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
1
Sat, Oct 17−Rs 3,200
Chai / CoffeeWants · Cash
−Rs 3,200
ExpenseIncome

Calendar

9:415G 82%
**** Oct 2026Total spentRs 68,200
Income Expense
80K60K40K20K0
MayJunJulAugSepOct Rs 68,200

Insights

9:415G 82%
Notifications
Allowed in iPhone settings
Bedtime check-inEvery day · 10:30 PM
Bill reminders2 days before due
Weekly summarySunday · 9:00 AM
Over-budget alertsWhen a bucket passes 100%

Notifications

9:415G 82%
Settings
M
Malikmalik@email.com
Account & syncSynced
Budget split50 / 30 / 20
Expected incomeRs 250,000
Exchange ratesUSD 280
Reminders10:30 PM
App lockOff
Export to ExcelCSV
Install on iPhoneHelp
Delete all data

Settings

FAQ

Questions,
answered.

Is Kharcha free?

Yes. It is free to use, with no ads.

Does it need internet?

No. Everything is saved on your phone and works offline. Backup and sync is optional.

Does it connect to my bank?

No. You log entries yourself, so there is no bank login and nothing to leak.

Can I change the 50 / 30 / 20 split?

Yes. Set any split, as long as it adds up to 100%.

How do I install it?

Open Kharcha in your browser and choose Add to Home Screen. On iPhone: Share, then Add to Home Screen.

Is my data protected?

It stays on your device. Turn on App lock for a 4-digit passcode and Face ID.

Give every rupee
a job.

Free, offline and yours. Set up in under two minutes.

Start free

Open in your browser, then Add to Home Screen