Tool Open source
Kharcha is a private spending ledger for Android and other Expo-supported platforms. It parses bank transaction SMS messages or pasted messages on the device, extracts debit or credit amounts and merchant details, preserves each raw message beside the parsed entry for review and correction, and stores the ledger locally in SQLite. Users can add categories, budgets, and insights; the Android reader scans messages only from enabled sender IDs, filters common OTP and promotional patterns, and uses heuristic parsing with uncertain results sent to review.
The app works without an account or backend. An optional backup flow encrypts the ledger on the device with AES-GCM and sends only ciphertext to a small Render API backed by Postgres; the recovery code contains the access token and encryption key. iOS and web versions support manual or pasted entries, while general inbox reading is Android-only. The project is MIT-licensed. Its README notes that parsing may miss or misclassify messages, the Android build has not yet been smoke-tested on a physical device, and Google Play distribution using READ_SMS requires policy approval.
1 use taken from transcripts — each links to the moment in the video.
Turns bank transaction SMS messages into a local spending ledger on Android. It extracts amounts and merchants, preserves the original messages for correction, and supports budgets, spending patterns, and optional encrypted backups.
1 in the library.