Free Automatic Expense Tracker for India – Mera Kharcha

No. Mera Kharcha never asks for your bank login, password, or OTP. It works entirely by reading transaction SMS alerts on your device — the same messages your bank already sends you. Your credentials are completely safe.

All Indian banks that send transaction SMS are supported — SBI, HDFC, ICICI, Axis, Kotak, PNB, BOB, Canara, and many more. All UPI apps including PhonePe, Google Pay, Paytm, BHIM, and Amazon Pay are also supported automatically.

Never. All SMS reading and transaction processing happens 100% locally on your device. Your financial data is never uploaded, shared, or sold to anyone. We only collect anonymized crash/usage analytics to improve the app.

Yes, completely free. All core features — expense tracking, SMS inbox, and multi-language support — are available at no cost. Payment reminders, Split money, Highlights are some feature which are behind subscription wall.

Since all data is stored locally on your device, uninstalling the app removes all your data. If you used Google login, your data was synced to your Google account and can be restored. You can also delete your account directly from within the app at any time.

Most expense trackers require you to manually log every transaction — which nobody does consistently. Mera Kharcha is fully automatic: it reads your bank SMS alerts and tracks everything for you. No bank login, no manual entry, no syncing. It also doubles as a smart SMS inbox, EMI reminder, and split payment tracker — all in one free app.

SMS permission is the core of how Mera Kharcha works — it's what makes tracking automatic and zero-effort. Without it, the app cannot detect your transactions. So, you need to set Mera Kharcha as a primary SMS app.

Just write back to us on contact email with all details like your account email, screenshots and briefly explaining issue. we will get back to you within 24hr.