Smart Group Splitting
3 split modes: Equal, Percentage, and Custom splits. Supports unlimited group members for trips, flatmates, or parties.
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Kharcho is your all-in-one expense manager for groups, flatmates, and trips. Split bills equally, by percentage, or custom. Settle via UPI, Cash, or Card. Track 8 categories, income, fixed bills, and 1-on-1 friend ledgers — all in one app.
See how Kharcho's graph optimization algorithm calculates net balances and reduces multiple debts into minimal payments.
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Walk through the 6 key modules directly modeled from the real app.
4 members · Choose Equal, Percentage, or Custom splits
Log daily spends across 8 categories with UPI / Cash / Card mode
Track Salary, Bonus & Freelance income + recurring fixed bills with due dates
Interactive pie chart + month-on-month cashflow comparison
Automated prompts for Wi-Fi, rent, and shared subscription splits
1-on-1 pairwise balance history + random decision picker wheel
From graph debt optimization to fixed bill alerts, income tracking, and spin wheel decision making.
3 split modes: Equal, Percentage, and Custom splits. Supports unlimited group members for trips, flatmates, or parties.
Log recurring fixed expenses: Name, Category, Due Day, and Paid/Pending status. Get alerts before Wi-Fi, rent & subscription due dates.
Record all income sources — Salary, Bonus, and Freelance earnings. Fixed and custom income types for real-time net balance calculations.
Tag every expense or settlement with the actual payment mode — UPI, Cash, or Card. Record settlements and balances update instantly.
Random decision picker wheel inside groups — who buys coffee, picks the restaurant, or handles chores. Eliminates group arguments.
Direct pairwise expense history between two friends with instant net status badges — "You owe ₹X" or "You get ₹X" — and one-tap settle up.
Seamless UI localization in English, Hindi (हिंदी), Gujarati (ગુજરાતી), Marathi (मराठी), and Spanish (Español). Switch anytime.
Category breakdown pie chart, monthly spend trends, real-time notification feed, unread indicators, and complete activity audit stream.
Traditional splitting leaves roommates and trip groups with chaotic payments — everyone sending ₹50 or ₹100 transfers back and forth.
Kharcho runs a graph simplification algorithm that computes the net balance of each member (total paid minus total share owed). It then matches maximum debtors with maximum creditors, resolving all balances with direct, minimal transfers — often cutting 70%+ of transactions.
Zero complications. Log an expense, choose a split method, and settle — in 3 steps.
Create a group (trip, flatmate, party) or log a personal expense directly. Add friends using their phone number or search by name.
Choose from 8 expense categories. Select Equal, Percentage, or Custom split logic. Tag payment mode: UPI, Cash, or Card.
View who owes whom. Tap "Settle Up", choose payer and payee, confirm the amount and payment mode. Balances update in real time!
Kharcho is 100% free with no hidden fees. Open the app right now and start splitting your first group expense in under 60 seconds.
Everything you need to know about Kharcho — India's smartest expense manager.