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1.8.0Now live on Google Play

Know where every rupee goes.

Log an expense in seconds by typing, by voice, or in one line like “tea 20 upi”. Set budgets and savings goals, keep track of who owes you, and see exactly where your money went.

Get it free onGoogle Play

Scan with your phone camera to install

Free on AndroidEnglish and HindiPIN and fingerprint lock

Product tour

The whole month’s money, in one app.

01

Add an expense in seconds

Type the amount and pick a category; today’s date fills itself. Or tap the mic and just say it.

Quick amounts and “Repeat last entry”
02

Insights in your language

Your biggest spend, no-spend streaks, weekday versus weekend habits and a month-end forecast, with a warning the moment a budget is crossed.

Shown here in Hindi
03

Budgets that warn you early

Set a monthly limit for each category. The progress bar pulses at 90% and you get an alert at the limit.

Alert at 90% and 100%
04

A calendar of your cash flow

Every day shows what you spent, and heavier days get a deeper colour. Tap any day to see its entries.

Tap a day for details
05

Every tool, one tap away

Income, categories, milk tracker, reminders, bills and loans, Quick Pay, export and app lock, all under More.

11 tools under More

Watch

See KharchIQ in 3 minutes.

What’s new in 1.8.0, and a full tour of the app.

What’s new in 1.8.0 NEW

Watch on YouTube ↗

Full app tour

Watch on YouTube ↗

Try it yourself

Tap a day. See where the money went.

This is KharchIQ’s cash-flow calendar, filled with a sample household’s month. Heavier days get a deeper colour. Tap any day to see its entries.

No spendLowMediumHigh

This month’s biggest categories

Sample data for illustration. In the app, this calendar fills with your own entries.

Version 1.8.0

Everything it does, nothing it doesn’t need.

Built around how Indian homes actually spend: milk, EMIs, bills, recharges and everything in between.

  1. Quick add: type one line like “tea 20 upi” and tap Fill; amount, category, mode, tag and date fill themselves. Works by voice too
  2. Safe-to-spend: a dashboard card with today’s limit, what’s left this month and days to go
  3. Weekly summary every Sunday at 8 PM: more or less than last week, top category and costliest day
  4. Savings goals: add or withdraw money, track progress and see how much to save each month
  5. Lend and borrow ledger with part-payments, settle-up and a 9 am reminder on the due date
  6. Avoidable-spend limit for the month, with a one-time alert when you cross it
  7. Trip and event tags like #goa-trip, and a payment mode on every expense: cash, UPI or card
  8. Download all your data as one backup file from Profile

Two languages, one app

Every screen, every insight and every reminder, in the language you think in. Switch any time, in the app and on this page.

Security

Your money is private. So is the app.

Lock KharchIQ the way you lock your phone, keep it out of screenshots, and stay in control of your data.

4 or 6

digit PIN, or fingerprint and face unlock

5

wrong PINs trigger a lockout that grows from 30 seconds to 5 minutes

15 min

longest auto-lock, or lock instantly

30 days

to trust a device; delete your account from inside the app

1 tap

to download all your data as a backup file

Off

screenshots and screen recording, by default

8+

characters for new passwords, with letters and numbers

No

weak PINs like 1234 or 1111 when you set a new one

The founder

Built by someone who tracks numbers for a living.

Abhishek SrivastavaFounder, Spentwiselabs

Abhishek has spent 10+ years leading large-scale logistics operations, where every shipment and every rupee has to be accounted for. KharchIQ brings that same discipline home, and he designed, built and launched it on his own.

Thank you.

To our first testers

Before KharchIQ reached the Play Store, a handful of people trusted it with their real, everyday spending. They added entries day after day, found the rough edges, and told us honestly what didn’t work.

Every smooth screen in this app carries a piece of their patience. This launch is as much yours as it is ours.

A special thank you to Avinash Srivastava

Our very first user. Avinash trusted KharchIQ before anyone else did, and kept reporting issue after issue until each one was fixed. A lot of what feels smooth in this release started with his messages.

— Abhishek

About us

Spentwiselabs

A small, independent app studio building tools that make everyday money simple. KharchIQ is our first product.

KharchIQ started with a simple question: where did the money go by the end of the month? Abhishek noticed that real household expenses like milk, EMIs, bills, recharges and BC usually get lost in diaries or memory, and most apps are either complicated or not in your language.

So he built, on his own, an app that works in English and Hindi, takes entries by voice, and understands the everyday needs of an Indian home. After months of use and refinement with a few testers, KharchIQ launched on Google Play in October 2026.

Our mission

Make tracking expenses so easy that anyone, in their own language, can keep a daily record and save a little more every month.

Our vision

To be the most trusted and simple expense companion for every home in India.

What we value

Keep it simpleIn your languageYour data stays safeListen to users

We’re building the team. Hiring opens soon.Want to help more homes take control of their money? Write to us and we’ll reach out when roles open.

Email us

Follow along

See what’s new, as it happens.

Tips, updates and new features, posted first on our Instagram and Facebook.

@kharchiqInstagram
KharchIQFacebook

Enjoying KharchIQ?

Rate us on Google Play

Your honest rating and a line or two help more families discover KharchIQ.

Open KharchIQ onGoogle Play
  1. Scroll to “Rate this app”
  2. Tap the stars
  3. Write what you like, then Post

Share your feedback

Tell us what works, what doesn’t, and what you’d like next. It goes straight to the founder.

How would you rate KharchIQ?

FAQ

Good to know

Does the AI send my data anywhere?

No. KharchIQ’s AI insights run on your phone. Your entries are not sent to any AI service.

Is KharchIQ free?

Yes. KharchIQ is free to download and use right now.

Is it available on iPhone?

Not yet. KharchIQ is currently available on Android through Google Play.

Which languages does it support?

The whole app works in English and Hindi, and you can switch any time.

How is my data protected?

You can lock the app with a 4 or 6 digit PIN, fingerprint or face unlock, with auto-lock and lockout after wrong PINs. Screenshots and screen recording are blocked by default, and you can download all your data any time. Read the privacy policy for details.

How does Quick add work?

Type one line like “tea 20 upi” or “kal lunch 120 cash #trip” and tap Fill. The amount, category, payment mode, tag and date are filled in for you. It also understands lakh, hazar and k.

Can I download all my data?

Yes. Go to Profile and choose “My full data (backup copy)” to download your expenses, income, budgets and more as one file.

Why can’t I take a screenshot of the app?

Screen privacy is on by default to protect your financial details. You can turn it off under Security in the app.

Can I delete my account?

Yes. Go to Profile inside the app and choose Delete Account. You can download your data first from the same screen.

Your next expense is the best place to start.

Free on Google Play, in English and Hindi.

Get it free onGoogle Play

Scan with your phone camera to install

KharchIQFree on Google Play
Install