Kharcha is a native Android expense tracker purpose-built for India's UPI ecosystem. Every payment from GPay, PhonePe, Paytm, or CRED is automatically captured, categorized, and added to your ledger instantly without manual entry.
Built with an offline-first architecture, Kharcha relies on 100% deterministic, rule-based automation—zero AI hallucination, zero manual logging, and absolute data ownership.
by Akash Priyadarshi & Priyaranjan · github.com/AkashPriyadarshii · github.com/priyaranjan122002 · akashpriyadarshi.vercel.app
🌐 Website: kharcha.github.io — features, screenshots, FAQ, direct download.
India-first UPI expense tracker for Android. Every UPI payment from GPay, PhonePe, or Paytm auto-appears as an expense — no manual entry. Offline-first, rule-based automation (no AI), Supabase sync. Built with Flutter/Dart, Drift/SQLite.
| Latest release | v0.2.8 |
| APK | kharcha-armv8a-release.apk (~25 MB) |
| Requirements | Android 12+ (arm64) |
Install: Download the APK → open it → allow "Install unknown apps" if prompted → done. The app auto-updates itself using GitHub Releases.
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- Automated UPI & SMS Capture: Reads push notifications and SMS banking alerts in real-time. Smart deduplication (±2 minute window) ensures you never double-count a transaction.
- Smart Spam Filter: Silently ignores OTPs, recharge prompts, loan ads, and failed transactions before they even hit the parser.
- Ground-Truth Wallet Sync: Extracted SMS balances act as ground-truth checkpoints, silently correcting your local wallet ledgers.
- Income Autopay: Define recurring income/subscriptions; Kharcha automatically processes them in the background on their due dates.
- Rules Engine (Zero AI): Fully transparent categorization. Swiggy → Food, Uber → Travel. Add custom regex-based rules to auto-sort your niche merchants.
- Hinglish Daily Summaries: Localized 9PM daily check-ins ("Aaj ₹540 kharcha hue") and Sunday weekly recaps.
- GitHub-Style Heatmaps: Visualize your spending intensity with deep green activity heatmaps in the Reports tab.
- Privacy-First Export: Export your entire database to CSV or JSON with merchant PII auto-hashed for safe spreadsheet analysis.
- Offline-First: Your data lives on your device in a Drift SQLite database. Supabase acts strictly as a silent background sync target.
- Biometric App Lock: Secure your financial data with fingerprint or PIN protection.
- Automated Crash Reporting: Zero-dependency, on-device crash caching (AppLogger) that silently reports to Supabase when online. No heavy Sentry/Firebase SDKs.
- True Balance Extraction: SMS captures now adjust your wallet's initialBalance directly.
- Advanced SMS Onboarding: Optional dual-capture routing for rock-solid transaction detection.
- Drift SQL Aggregations: Moved heavy chart calculations (merchant rankings, heatmaps) to native SQLite, eliminating OOM crashes.
| Concern | Choice |
|---|---|
| Framework | Flutter, Android 12+ (minSdk 32) |
| State & UI | Riverpod, go_router, Material 3, fl_chart |
| Local DB | Drift (SQLite) — Source of Truth |
| Cloud / Sync | Supabase (Postgres, Google Auth) |
| Native Plugins | flutter_local_notifications, local_auth |
- Akash Priyadarshi (AkashPriyadarshii) - Creator / Lead Developer
- Priyaranjan (priyaranjan122002) - Collaborator
Website: akashpriyadarshi.vercel.app
Source-available. All rights reserved. This code is public for viewing only — no use, reproduction, or derivative works permitted. See LICENSE for full terms.