Bachat
Har Kharch, BachatPe
BachatPe turns the bank and UPI messages already on your phone into a clear picture of where your money goes — automatically, locally, and without ever touching the internet. No sign-up. No cloud. No ads.
Everything your money needs —
none of it leaves your phone
Most finance apps ask you to upload your spending to their servers first. BachatPe does the whole job on the device in your hand.
Private by design — not as a setting
BachatPe has no internet permission at all. No cloud account, no backend sync, no server upload. With your permission it reads only transaction SMS already on your phone — debits, credits and UPI alerts. OTPs, personal messages, promotions and failed payments are always ignored.
Tracks itself
Bank and UPI spends sort themselves into categories across 750+ recognised Indian merchants — with little to no typing. Smart duplicate detection keeps things clean across multiple accounts.
Budgets that answer one question
Am I okay this month? A clear On Track, Watch or Over status plus safe-to-spend guidance for the rest of the month.
Family sharing, offline
Household sharing runs over a direct, end-to-end encrypted connection between nearby phones. No internet, no shared login, no cloud account.
Savings you can act on
Spots leaks in subscriptions, frequent merchants and rising habits — then turns any insight into a savings challenge.
Bachat Score
A financial-health score built for Indian households, with one clear next step to improve it.
Set up once. Then mostly forget about it.
No statements to upload, no bank credentials to hand over, no spreadsheet to maintain.
Install and open
No sign-up screen, no email, no OTP. The app opens straight into your dashboard because there is no account to create.
Allow SMS — or don't
Grant SMS access and BachatPe reads your existing transaction messages on-device. Prefer not to? Add expenses manually — the app works fully either way.
Set one number
Pick a monthly budget — BachatPe can suggest one from your past spending — and it tracks every rupee against it from there.
What BachatPe will never do
Privacy here isn't a toggle buried in settings or a policy you have to trust. It's a consequence of how the app is built: with no internet permission, there is no mechanism by which your data could leave your phone.
- ✕ Send your spending to a server
- ✕ Ask you to create an account or log in
- ✕ Sell or share your data with third parties
- ✕ Read your OTPs, or send SMS on your behalf
- ✕ Touch your bank account or move money
- ✕ Show you ads
Not a foreign app adapted for India
BachatPe is built around the way money actually moves here — INR, UPI, and the transaction SMS your bank already sends you. Categories, merchants and reminders are tuned for Indian households rather than retro-fitted from a US-first product.
UPI-native
Reads UPI alerts and bank debits the moment they land.
Indian money calendar
Insurance, EMIs, school fees, travel and tax — planned ahead.
Household-first
Filter by You, Family or All; exclude business spends in a tap.
App Lock
A private 4-digit PIN — no biometrics or extra OS permissions.
Take control of your money —
the private way
Stop wondering where your salary went. BachatPe does the tracking for you, and every rupee of that data stays on your own phone.