KharchaOS: Spend & Split Log

KharchaOS keeps a record of your money and your dues in one simple app — what you spend, what you earn, and what's between you and everyone else.

It is a record-keeping app only: KharchaOS never moves, lends or collects money.

★ EXPENSES & INCOME
• Add an expense or income in seconds, with a category and how you paid
• Create your own categories — for expenses, income or both — and rename or remove them anytime
• Budgets: set a monthly limit per category and see how much is left

★ ACCOUNTS
• Bank accounts, cards, digital wallets and cash, each with its own balance
• Money in and out for any period: this month, last month or a custom range
• Multiple currencies, with the exchange rate filled in for you

★ DUES WITH FRIENDS
• Record money you sent or received — always clear who owes whom
• Both sides see the same entry; changes in your favor need the other person's OK
• Gentle reminders, so nobody has to ask twice
• Friends without the app? Add them by name — it still works

★ SUPPLY — GOODS AND WORK PAID LATER
• Sold or bought goods that will be paid for later? Record it under Supply
• Labor, repairs, a plumber's visit — record work done the same way
• It adds to that person's balance; you see "Goods sold", they see "Goods bought"

★ GROUPS
• Trips, roommates, events — split any expense, equally or your way
• See who pays whom, with the fewest payments
• Settle up, and record money you received

★ SHARE WITHOUT THE APP
• Send a group or a friend a read-only link that opens in any browser
• Or share a PDF — totals, who pays whom and every entry
• You choose how long a link works

★ MORE
• Insights: where your money goes, month by month
• Search anyone in your lists in a tap
• Private nicknames for friends — "Sam (Sammy)" — only you see them
• Earn points and redeem them for ad-free days
• English and हिंदी, light and dark theme
• A short guided tour when you start

Whatever you call it — an expense tracker, a money manager or a budget planner; a bill splitter for trips and roommates; a ledger or khata for goods and work paid later; or a simple record of money between friends — KharchaOS does it in one place.

KharchaOS is built for everyday life: the coffee on the way to work, the rent you split with roommates, the money a friend owes you, the shop that hands over goods to be paid for later and the worker paid at the end of the week. Everything sits in one place, worded from your side, so you always know where you stand — with your accounts, your friends and your groups. Entries you share with someone are agreed by both of you, so the record stays honest, and anyone without the app can still see their share through a link or a PDF. KharchaOS is free, supported by ads, and you can earn ad-free days by collecting points.