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thekharcha
Envelope budgeting for India. No bank sync, ever.
thekharcha is a free, private envelope-budgeting app built for India. It never connects to your bank — you log UPI, cash and card spends by hand, split your income into category envelopes, and give every rupee a job. Your money data stays yours.
About thekharcha on Product Hunt
“Envelope budgeting for India. No bank sync, ever.”
thekharcha was submitted on Product Hunt and earned 5 upvotes and 1 comments, placing #95 on the daily leaderboard. thekharcha is a free, private envelope-budgeting app built for India. It never connects to your bank — you log UPI, cash and card spends by hand, split your income into category envelopes, and give every rupee a job. Your money data stays yours.
On the analytics side, thekharcha competes within Money, Finance and Budgeting — topics that collectively have 11.6k followers on Product Hunt. The dashboard above tracks how thekharcha performed against the three products that launched closest to it on the same day.
Who hunted thekharcha?
thekharcha was hunted by Ritesh Bhatt. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of thekharcha including community comment highlights and product details, visit the product overview.
Hey hunters 👋
I'm Ritesh, and I built thekharcha because every budgeting app I tried wanted to log into my bank account. I get why — auto-sync is convenient. But it also means handing over your financial life to a third party, and (for me) it killed the one thing budgeting is supposed to do: make you notice your spending.
So I went the other way. thekharcha is manual on purpose and never syncs with your bank:
💌 Envelope method — split your income into category envelopes (rent, groceries, eating out, SIPs…) and give every rupee a job before you spend it.
✍️ You log each spend — UPI, cash, card, EMI. That two-second friction is the feature. It's what makes you think twice.
🇮🇳 Built for India — ₹ in lakhs/crores, Indian categories, presets like 50/30/20 and 70/20/10.
🔒 Private by design — no bank login, no trackers, no selling your data, no ad profiling. Your numbers are yours.
🆓 Free to start — no card required.
It's a PWA, so you can add it to your home screen and it works like an app.
I'd genuinely love feedback from this community — especially from fellow Indians on which categories and budgeting rules you'd want built in. What would make you switch from a spreadsheet (or from doing nothing 😅)?
👉 https://www.thekharcha.com