ApnaKharcha - Smart Daily Expense Tracker & Business Accounting ERP

Revolutionary Feature · 0 Typing

Stop Typing Expenses Manually.
Just Copy & Paste Your Bank SMS.

No manual dates, amounts, or merchant typing. Pay anywhere via PhonePe, GPay, Paytm, or Credit Card. Simply copy your bank's instant debit SMS, paste in ApnaKharcha, and the smart engine auto-extracts amount, payee, account, and category in 2 seconds!

100% Zero Manual Typing — Amount, Date, Payee, and UPI Ref auto-extracted.
Smart Category Auto-Prediction — Automatically detects Grocery, Dining, Travel, Bills, Shopping.
Bank & Credit Card Matching — Automatically routes to the exact bank or credit card.
100% Private & Safe — Zero bank logins or credentials required.

Try Smart SMS Logger Free

What You Get

Everything you need,
nothing you don't.

Powerful features designed for everyday Indians who want to take control of their money.

Voice Command Search

Speak your query like "Food expenses in April" and get instant results by month and category.

Instant Category Report

Select any category and instantly view a detailed table with totals, income, and expenses.

Smart Analytics

Track where your money goes with insightful graphs and monthly spending trends.

Quick Add

Add expenses or income in seconds — a fast, intuitive interface built for speed.

Private & Secure

Your financial data is protected with strong encryption and never shared with anyone.

Mobile Friendly

Use ApnaKharcha on any device — fully responsive, optimized for mobile first.

Multi-Language

Supports English & Hindi — easy to understand for everyone across India.

Daily Reminders

Never forget to log your expenses — get smart reminders to build the habit.

Simple Process

Up and running in 5 easy steps.

Get started in minutes and take complete control over your personal and business finances.

Sign Up Fast

Instant Setup

Create your account in seconds with zero credit card required.Instant access on any device.

Add Expenses

0-Typing SMS Auto-Log

Paste bank SMS or log cash and card transactions in 2 seconds.Auto-detects amounts & payees.

Categorize

Smart Categories

Organize spending by Food, Travel, Rent, Bills, and Shopping.Customizable tags & wallets.

Analyze Reports

Visual Insights

Monitor spending velocity, monthly trends, and visual graphs.Clear cashflow statements.

Export Data

Full Ownership

Download clean Excel, CSV, or PDF backup reports anytime.Your financial data stays yours.

Transparent Pricing · 100% Risk Free

Plans that scale with you & your business.

100% free forever for personal expense tracking — enterprise-grade Business ERP with a 30-Day Money-Back Guarantee.

Personal Edition

Forever Free

For individuals, students, and families seeking effortless control over daily expenses.

₹ 0 / Lifetime Free

Smart SMS Auto-Logger: Extract transaction data in 2 seconds with 0 typing (100% Client-side in-browser privacy)
Multi-Account Vault: Track Bank Accounts, Cash in Hand & Credit Limits (Real-time balances & available credit limits)
Predictive Budgeting: Category caps with spending velocity warnings (Automated EMI & recurring expense detection)
FinTech In-App Wallet: Instant balance top-ups via UPI, RuPay & Cards (Protected row-level multi-tenant ledger)
1-Click Utility Recharges: Prepaid Mobile, DTH & Electricity settlement (Jio, Airtel, Vi, BSNL, DTH & BBPS)
100% Ad-Free & Private: Bank-grade encryption with zero data sharing (No third-party trackers, 100% ad-free)

Start Free Forever

🔥 30-DAY RISK-FREE TRIAL

Commercial Suite

Business Starter

For retail shops, traders, consultants, freelancers, and small MSMEs.

₹ 199 / month (Billed monthly)

GST Tax Invoicing: Compliant CGST, SGST, IGST & RCM calculations (Professional PDF invoices & Credit Notes)
E-Way Bill & E-Invoicing: Instant IRN & embedded QR code generation (Compliant document sequence series)
Inventory & Stock: Real-time SKU valuation & automated low-stock alerts (HSN/SAC code mapping & warehouse control)
Double-Entry Cashbook: Automated daily cash ledger & 1-click BRS (Negative-cash block & bank reconciliation)
Real-Time Final Accounts: Profit & Loss, Trial Balance & Balance Sheet (Automated double-entry statements)
3 Team Member Logins: Role-based access control (RBAC) (Configurable roles for Owner, Billing & Accountant)
100% Money-Back Guarantee: Full 30-Day refund commitment (Zero risk, no questions asked)

Start 30-Day Risk-Free Trial

⚡ BEST VALUE · SAVE 37%

Enterprise Suite

Business Pro (Annual)

For distributors, wholesalers, manufacturers, and growing multi-staff firms.

₹ 1,499 / year (Just ₹125/month)

Everything in Business Starter: Full invoicing, inventory & ledger (Complete commercial accounting suite)
Visual Sales CRM: Drag-and-drop Kanban deal pipeline & leads (Lead stages, follow-up timelines & conversion metrics)
Unlimited Team Logins: Full multi-tenant data isolation (Unlimited team delegation without seat caps)
Statutory Tax Filing Exports: GSTR-1, GSTR-3B & HSN summaries (Direct CA-ready JSON & spreadsheet downloads)
Aging Statement Ledgers: Customer Receivables & Vendor Payables (Real-time overdue tracking & payment terms)
Priority Founder Support: Direct WhatsApp & Call from Abhishek Pandey (Dedicated technical & operational guidance)
100% Money-Back Guarantee: Full 30-Day refund commitment (Zero risk, no questions asked)

Upgrade to Business Pro

100% Money-Back Guarantee — 30-Day Risk-Free Promise

“Try ApnaKharcha Business ERP for a full 30 days — continue only if you love it, otherwise get 100% of your money back!”

Evaluate ApnaKharcha Business ERP completely risk-free for a full 30 days. If you find that it doesn't streamline your company bookkeeping, GST billing, or inventory management, simply email abhi.bsi001@gmail.com or WhatsApp +91 79827 48233. Your subscription payment will be refunded immediately in full — zero questions asked!

Instant 100% Refund

100% Secure Online Payment

Govt. MSME: UDYAM-UP-29-0265650

Direct Support: +91 79827 48233

Business & MSME Edition

Scale From Daily Tracking to Complete Business ERP

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Tally aur Excel ka jhanjhat khatam. ApnaKharcha now powers full corporate accounting, multi-tenant company cashbook, bank reconciliation, GST invoicing, and financial controls.

Zero Cash Deficit Voucher Tracking

Double-Entry Company Cashbook

Real-time fund flow tracking with physical cash (Galla) negative-balance hard block. Complete audit trail with PV/RV voucher serials.

OD Safeguards Liability Control

Smart Bank Overdraft Gates

Automated overdraft validation popup. Calculates resulting balance and requires conscious confirmation to prevent accidental negative liabilities.

1-Click BRS Passbook Match

Automated BRS Reconciliation

Match your real bank statements against ledger entries. Instantly identify uncleared deposits, pending cheques, and balance variances.

Place of Supply CGST · SGST · IGST

Automated GST Invoicing

Intra-state and inter-state dual-tax calculation engine. Generates professional PDF invoices with SAC/HSN codes and client ledgers.

Vendor POs Inventory Flow

Purchase Orders & Vendor Flow

Complete procurement management from quotation to approved PO, goods receipt, and vendor payment clearance.

Mobile First 2x2 Quick Actions

Complete ERP in Your Pocket

Record vouchers on the go, approve bills, and monitor live company cashflow from any smartphone with dedicated mobile layouts.

Sales CRM & Lead Engine

Close More Deals with In-Built Sales CRM

Don't just track spending — grow your top-line revenue. ApnaKharcha CRM brings lead tracking, visual deal pipelines, client 360° ledgers, and marketing campaigns directly inside your business portal.

Visual Pipeline Drag & Drop

Kanban Deal Pipeline

Track your sales pipeline from initial contact to closed deal. Customize stages (New Inquiry, Qualified, Demo Done, Proposal Sent, Won). Never let a hot deal slip through the cracks.

Lead Capture Smart Follow-ups

Complete Lead Timeline & Logs

Capture leads directly via web forms, WhatsApp, and phone calls. Maintain complete interaction history, schedule callbacks, log notes, and assign leads to team members.

CRM + Accounting 1-Click Invoicing

Direct Sync with Accounting ERP

When a deal is won, convert it directly into a Tax Invoice or Client Ledger with 1 click. Zero duplicate entry between your sales team and your finance bookkeeper.

Campaigns WhatsApp / Email

Marketing Outreach & Campaigns

Run targeted client broadcast campaigns, track responses, analyze conversion rates, and measure ROI on every rupee spent on client acquisition.

Multi-User Access Control

Team Collaboration & Permissions

Give your sales executives access to their assigned leads only, while managers and business owners maintain high-level oversight of total pipeline value and closures.

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