MeroKharcha

MeroKharcha is a zero-based budget for people who are tired of guessing where their money went. Zero-based means every rupee gets a job before it is spent. Money arrives, you give all of it to something — rent, dal bhat, the bike service you keep putting off — and what is left to assign reads zero. Nothing is unaccounted for, so nothing quietly disappears. WHAT YOU GET • A monthly budget with Ready to Assign at the top, so you always know whether this month is fully planned • Accounts for cash, bank, wallets and credit cards, with real balances • Transactions with payees, notes, and splits across several categories • Transfers between your own accounts, matched up rather than double-counted • Loans tracked as what they are: a balance and the payments against it, with you deciding each principal and interest split • Reconciliation, for the day the app and the bank disagree • Reports:…