Updated October 23, 2026: Mera Kharcha has changed since this was written. Payment SMS tracking now works through the separate Mera SMS app, and voice entry, AI and some sharing features need Premium. See how the app works today.
In short: Mera Kharcha's AI Assistant lets you ask a money question in plain language, like "How much did I spend on food this month?" or "Did my SIP go through?", and get an answer from the expenses in your account. It works in many languages and needs no bank login. It needs Premium or a free rewarded-ad Day Pass.
It Was a Simple Question. Why Was It So Hard to Answer?
It was almost 11 PM. I wasn't doing anything important — just lying in bed, half-scrolling — when a small, annoying question popped into my head: how much did I actually spend on food this month?
Simple, right? I opened my bank app. Scrolled. Some Swiggy, some Zomato, a couple of grocery runs that may or may not count as "food." Then I remembered half of those went through a UPI app, and a few more came out of a wallet I top up sometimes. So I opened that. Then the other one. Ten minutes in, I had four apps open, a rough number in my head I didn't trust, and a faint headache.
I gave up. Told myself I'd "check properly on the weekend." I never did. I never do.
The Data Was Always There. The Answer Wasn't.
Here's the strange part: I wasn't missing any information. Every one of those payments had already been recorded — my bank texts me the second money moves. Amount, merchant, time. So does my UPI app. My phone was sitting on a goldmine of receipts.
The problem was never the data. It was the asking. To answer one ordinary question, I had to turn into a part-time accountant for twenty minutes — opening apps, scrolling, adding things up, second-guessing the total. Nobody has the patience for that at 11 PM. Honestly, nobody has it at 11 AM either.
That gap — between having all the data and being able to actually ask it something — is the thing we set out to close.
So We Built Something That Just Answers
That's the whole idea behind Mera Kharcha's new AI Assistant.
Instead of opening four apps and doing mental math, you just ask. In plain words, the way you'd text a friend: "How much did I spend on food this month?" And it answers. In about two seconds.
It can do that because your expenses are already in Mera Kharcha, whether you typed them, said them, or let Mera SMS bring in eligible bank and UPI payment messages. The AI Assistant sits on top of that and turns hundreds of little payments into something you can have a conversation with. No logging into your bank. You ask; it answers.
The Questions I Actually Ask It Now
Once it got this easy, I started asking things I'd never have bothered to work out by hand:
- "How much have I spent on Swiggy this month?" — ₹4,800, apparently. Ouch. But at least now I know.
- "What were my five biggest expenses in April?" — rent, an EMI, a flight, and two I'd completely forgotten about.
- "Did my SIP go through this month?" — yes, on the 5th. No digging through statements.
- "How much have I paid in EMIs this year?" — a number I'd been quietly avoiding.
- "Compare my spending this month to last month." — and there it is, in one line.
None of these are hard questions. They were just annoying enough that I never answered them. Now I answer them in the time it takes to type them.
And It Speaks Your Language — Literally
You don't have to phrase things in careful, formal English. The AI Assistant understands plain, everyday questions, and it supports multiple Indian languages — so you can ask in Hindi, or whatever language you actually think in, and get a clear answer back. Money is personal. You should be able to talk about it the way you talk.
How This Is Different From Everything Else You've Tried
If you've installed and quietly deleted a few money apps, you already know the usual suspects.
The "type every expense" apps make you do the work — log every payment, every day, until you give up by Friday. The "link your bank" apps want your net-banking login sitting on someone's server, which is a lot of trust for a spending chart. And a general AI chatbot? It's brilliant at writing emails and explaining things, but ask it where your salary went and it has nothing — it has never seen your transactions.
The AI Assistant is the one that already knows, because it's built into the app where your expenses already live. You're not handing it a new data source; you're finally getting to talk to the one that was always in your pocket.
Private by Design — Because It's Your Money
Here's how it works today. When you ask a question, Mera Kharcha's backend sends your question and the relevant expense records to Google Gemini through Vertex AI to answer it. That isn't anonymized, so don't put passwords, OTPs or anything you wouldn't want processed into a question or a note. The privacy policy explains what is used and how long saved conversations are kept.
What It Costs
Everyday expense tracking in Mera Kharcha is free with ads. Asking the AI Assistant needs Premium or a rewarded-ad Day Pass, which lasts until local midnight, and every new account gets a 7-day Premium trial. AI allowances apply.
Stop Digging. Just Ask.
The 11 PM version of me would have loved this. Not because I was bad with money, but because I never had an easy way to simply ask about it. Now the question and the answer are two seconds apart, and the four-apps-and-a-headache ritual is just… gone.
If you've ever closed your banking app still not sure where your money went, install Mera Kharcha, add your spending, and ask it your first question tonight. I'd start with the food one. It's humbling.
Ask Your First Money Question — FreeQuick Answers About the AI Assistant
Can an AI really track my expenses automatically?
It can help you understand them. The Mera Kharcha AI Assistant answers questions about the expenses in your account, whether you added them yourself, by voice or through optional SMS auto-tracking with Mera SMS. It never logs into your bank.
Is the Mera Kharcha AI Assistant free to use?
The AI Assistant needs Premium or a rewarded-ad Day Pass, which lasts until local midnight. Every new account gets a 7-day Premium trial. AI allowances apply.
Is my financial data safe with the AI Assistant?
When you ask a question, the Mera Kharcha backend sends your prompt and relevant expense records to Google Gemini through Vertex AI to answer it. It is not anonymized, so don't put passwords or codes in prompts or notes. The privacy policy explains what is used and how long it is kept.
