Hamara Kharcha

Hamara Kharcha is an all-in-one personal finance tracker built for Indian households — track everyday spending, budgets, loans, EMIs, insurance, investments and gold in one simple app. WHAT YOU CAN TRACK Transactions — log income and expenses by category, with recurring entries that repeat automatically each month so you never re-enter your salary. Budgets — set a monthly limit per category and watch the bar turn amber at 80% and red past 100%, so you find out before the month ends. Financial Health Score — one number out of 100 covering savings rate, EMI burden, emergency fund and investing discipline. Tap it to see the working. Loans, EMIs and credit cards — balances, interest rates, remaining tenure and a real payoff timeline, not just a number. Investments — MF, SIP, FD, RD, PPF, NPS, stocks and gold, with a projector showing where your monthly investment is headed over 5, 10 and 20…