Kharch Log

Home / Glossary

Expense tracker glossary

Plain definitions for terms like Expense tracker, Daily expense tracker, Free expense tracker, UPI expense tracker, Bank SMS expense tracker, Google Sheets expense tracker, Excel expense tracker, Income and expense tracker, and more — aimed at daily spending, UPI, and spreadsheet money books in India.

B

  • Bank SMS expense trackerSoftware that reads bank or UPI debit/credit SMS on your phone (with permission) and turns them into ledger rows you can…
  • Bill trackerTracking recurring payments (rent, EMI, utilities, subscriptions) with payees and due habits so nothing surprises you mi…
  • Budget trackerTools that compare planned spend vs actuals by category. Spreadsheets and Sheets pivots work well once daily capture is …

C

  • Cash expense trackingLogging physical cash spends that never appear in bank SMS — still critical for honest daily kharch totals.

D

  • Daily expense trackerA habit and tool for logging spends the same day they happen — cash, UPI, or cards — instead of reconstructing the week …
  • Daily kharchEveryday spending in Indian usage — chai, auto, UPI to friends, kirana — the small amounts that vanish without a daily l…

E

  • EMI trackingRecording equated monthly installments as recurring expenses so month-end totals include loans and device EMIs.
  • Excel expense trackerA spreadsheet workbook (often .xlsx) used as an income and expense ledger. Powerful for pivots; weak if you never open t…
  • Expense categoryA label such as Food, Travel, Rent, or Shopping used to group transactions for reports and monthly reviews.
  • Expense ledgerThe durable list of dated transactions — traditionally a notebook or Excel sheet; in Kharch Log, your Google Sheet is th…
  • Expense reportA summary by day, category, or payee. On phone you get Today views; in Sheets you can pivot and chart deeper reports.
  • Expense trackerAn app or spreadsheet that records money you spend (and often income) by date, category, and payment mode so you can see…

F

  • Family expense trackerA shared money book where partners or household members see the same ledger — often via a shared Google Sheet.
  • Free expense trackerAn expense tracker you can try without a monthly subscription. Kharch Log uses a one-time lifetime unlock instead of rec…

G

  • Google Drive file scopeLimited OAuth access (drive.file) so an app can only use Drive files it creates for you — not your entire Drive.
  • Google Sheets expense trackerKeeping your money book in a Google Sheet you own in Drive — often paired with a mobile app that appends rows instead of…

H

  • Household expense trackerTracking common home costs — groceries, help, utilities, EMI — in one ledger visible to the household.

I

  • Income and expense trackerA two-sided money book that logs money in and money out so you can compute savings rate, not only spending totals.
  • Invoice PDFA shareable PDF of a logged expense for reimbursements or records — while the Google Sheet remains the source of truth.

K

  • KharchHindi/Urdu for expense or spending. “Kharch Log” means a log of your spends — the core idea behind the app.

L

  • Lifetime accessPay once for ongoing use of the app without a monthly subscription. Kharch Log lifetime unlock is a one-time fee on the …

M

  • Monthly expense trackerA view or sheet that groups spends by calendar month for rent, EMI, groceries, and category totals at month-end.

N

  • Needs-review inboxA queue for SMS-detected transactions that are unclear or incomplete — approve, reject, or edit before they become perma…

P

  • Payment modeHow you paid — UPI, cash, card, net banking — so you can separate wallet spends from cash without mixing them in reports…
  • Personal expense trackerExpense tracking for one person or household ledger shared with family — categories like food, travel, rent, and UPI tra…
  • Personal finance trackerA system for an individual’s cash flow: income, expenses, bills, and savings — not enterprise accounting software.

S

  • Savings rateIncome minus expenses over a period, as a percentage of income. Needs both sides logged in an income and expense tracker…
  • SMS permissionAndroid permission that lets an app read payment alert SMS on-device. Required for bank/UPI auto-capture; unclear messag…
  • Spending trackerFocus on money out — cash, UPI, cards — with categories and dates so you can spot leaks like food delivery or transfers.
  • Split expensesSharing or reconciling spends across roommates or partners. A shared Google Sheet often works better than locked family-…
  • Spreadsheet money bookUsing Excel or Google Sheets as your primary finance record — flexible and portable if capture stays complete.

U

  • UPI expense trackerAn expense tracker built for India’s Unified Payments Interface — capturing small transfers that are easy to forget afte…

V

  • Voice expense entryAdding a spend by speaking amount and details, then confirming — useful when your hands are full after a purchase.

W

  • Weekly expense trackerA short review cadence — usually Sunday — to catch missed UPI payments and reset categories before the next week.

Track these concepts in practice with Kharch Log — Android expense tracker + Google Sheets. Get lifetime — ₹149.