Mera Kharcha AI Expense Manage

Mera Kharcha – Free AI-Powered Expense Tracker for India

Auto-track every UPI payment, card transaction, EMI and SIP directly from your bank SMS. No bank login. No manual entry. No ads. Your complete digital passbook — powered by AI.

India's Smartest SMS Expense & Payment Tracker

Mera Kharcha is a free personal finance and expense manager app that reads your bank and UPI transaction SMS to build a complete, automatic payment history — just like a digital passbook. Install once, allow SMS permission, and every debit, credit, EMI and SIP appears instantly in a clean, searchable timeline.

No bank account linking. No spreadsheets. No data shared. Ever.

NEW: AI Assistant for Smart Spending Insights

Ask your personal AI money manager anything about your finances:

1. "How much did I spend on UPI this month?"

2. "Show my upcoming EMIs and due dates"

3. "What are my top spending categories?"

4. "Did I get any refunds this week?"

The built-in AI assistant analyses your full transaction history and delivers personalised budget summaries, spending breakdowns and smart alerts — all via a simple chat interface. Your AI-powered expense manager that works automatically, on-device.

What Mera Kharcha Tracks Automatically

1. UPI payments — PhonePe, Google Pay (GPay), Paytm, BHIM and all UPI apps

2. Debit and credit card transactions — every swipe, tap and online purchase

3. Credit card bills — bill generation dates, due dates and outstanding amounts

4. Loan EMIs — personal loan, home loan, car loan, education loan tracker

5. SIP deductions — systematic investment plan auto-tracking

6. Wallet transfers and refunds — Paytm, Amazon Pay and more

7. Utility bills and subscriptions — electricity, mobile recharge, OTT platforms

8. Bank account debits and credits — all in one chronological view

Works With All Indian Banks and UPI Apps

Compatible with SBI, HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, Punjab National Bank (PNB), Bank of Baroda (BOB), Canara Bank, Yes Bank, IndusInd Bank and every other major Indian bank. If your bank sends you an SMS alert, Mera Kharcha captures it automatically.

Key Features

1. SMS expense tracker — automatic transaction capture from bank SMS

2. AI expense manager — ask questions, get spending insights instantly

3. UPI payment tracker — all PhonePe, GPay and Paytm spends in one place

4. EMI tracker app — monitor all active loan installments and due dates

5. SIP tracker — never miss a mutual fund deduction

6. Credit card bill tracker — due date reminders and outstanding balance view

7. Digital passbook app — clean, chronological debit and credit history

8. Bank SMS reader — no login, no linking, works offline after setup

9. Wallet and refund tracker — all cashbacks and reversals captured

10. Budget manager — AI-generated monthly spending summaries

11. Offline expense tracker — works without internet after initial setup

12. Zero ads — clean, distraction-free experience

Why SMS Permission is Required (And Why It's Safe)

Most bank expense tracker apps require you to link your account or enter transactions manually. Mera Kharcha only reads transactional SMS — the payment alerts your bank already sends you. It never reads personal messages, OTPs or conversations.

Your data never leaves your phone. The AI assistant runs on-device. Nothing is uploaded, shared or sold. SMS permission is used solely to build your private payment history, stored locally on your device.

How It Keeps You in Control

With all payments visible in one AI-powered dashboard, you can:

1. Review daily UPI and card activity at a glance

2. Track SIP investments and EMI deductions automatically

3. Monitor credit card usage and upcoming bill due dates

4. Spot recurring charges and subscriptions you forgot about

5. Plan your monthly budget with complete, accurate data

Install Mera Kharcha free — the AI-powered SMS expense tracker and payment manager built for India.

No login. No manual entry. No data shared. Just install and go.