Take control of your finances
with clear, honest insights
Track expenses, plan budgets, analyze investments, compute Indian taxes — all in one place, with your privacy respected.
Meet the Team
A small team building something meaningful for Indian finances.
Rahul Jangir
Founder & Developer
Full-stack engineer building the platform, AI integrations, and infrastructure.
Pranjal
UI/UX Designer
Crafting intuitive interfaces and seamless user experiences for every screen.
Astha Sunaliya
Marketing
Driving growth, building community, and telling the Kharcha Pani story.
Everything you need, beautifully organised
Scroll through the core features that make Kharcha Pani the most complete personal finance tool for India.
Your AI Financial Copilot
Ask questions, get insights, and make smarter money decisions with Google Gemini.
AI Copilot
Online · Powered by Gemini
How much did I spend on dining last month?
You spent ₹8,450 on dining out in March — 23% more than your budget. Want me to suggest a restaurant budget for April?
Show me my top 3 expenses this quarter.
1. Housing: ₹1,80,000
2. Groceries: ₹42,500
3. Dining: ₹25,350
Loved by users across India
See what others are saying about Kharcha Pani.
Transformed my finances
Kharcha Pani completely changed how I track expenses. The AI insights helped me save over Rs 60,000 in just 3 months. The Indian tax calculator is a lifesaver during ITR season.
ByASArun S.
Best personal finance tool
I have tried multiple apps but nothing comes close. The investment tracking with XIRR and the budget planner have made managing my money effortless. And it is completely free!
ByPMPriya M.
Privacy-first and powerful
As someone who cares about data privacy, Kharcha Pani is perfect. Self-hosting is easy, and knowing my financial data stays with me gives peace of mind.
ByRKRahul K.
Perfect for Indian users
Finally, a tool built for India! Old vs New tax regime comparison, 87A rebate, HRA optimization - everything I need. The AI Copilot answers complex tax questions instantly.
ByNGNeha G.
Frequently Asked Questions
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