u/amigroot_14

Hi everyone, I have been budgeting for the past 3 years now and now it has become a habit that after every single expense, even if it is a nominal one, I note it down and then add the transaction in my app.
I used to use a spreadsheet before but it became too difficult to maintain after 3 years.

Sometimes when I am with my friends, I get sideway looks from them when I log my expenses and also note if anyone owes me anything.

How do you handle situations like this?

Hi everyone,

I've built an android app called Kharcha and I plan on publishing it on the Play Store. I need beta testers to genuinely use the app for 2 weeks and provide feedback on usability and bugs.

Please let me know if you're interested. I would also be willing to join your beta program to test out your apps. Please DM me your email and I'll send the link.

The app itself is a simple expense tracking app where you log expenses in buckets of Needs, Wants and Investment. You can also keep a track of money you've lend out to your friends, etc. It has premium features like analytics and AI insights.

It would be really helpful if you could help me out.

Thanks!

Hi everyone,

I've built an android app called Kharcha and I plan on publishing it on the Play Store. I need beta testers to genuinely use the app for 2 weeks and provide feedback on usability and bugs.

Please let me know if you're interested. I would also be willing to join your beta program to test out your apps. Please DM me your email and I'll send the link.

The app itself is a simple expense tracking app where you log expenses in buckets of Needs, Wants and Investment. You can also keep a track of money you've lend out to your friends, etc. It has premium features like analytics and AI insights.

It would be really helpful if you could help me out.

Thanks!

i know healthcare isn't the best in north bengal. the challenges here range from doctors not diagnosing the problems accurately or putting patients through a limbo of tests and 2nd opinions. the problem is not isolated to just siliguri but we suffer from a rising urban population and not enough infrastructure to support it.

some problems I have noticed myself are that the masses here do not know which doctor to visit, where and when they are available. some people travel from remote areas all the way to siliguri only to find out that the doctor is out of station. seen this happen a lot. some of them prefer to go to South for treatment anyway but majority do not have the luxury

what issues do you guys face related to healthcare in north bengal?

background: i tracked expenses manually in google sheets for two years. same template duplicated every month, formulas that broke, charts rebuilt from scratch. it worked but it was 30-40 minutes of upkeep every payday.

every app i tried either had too many features or couldn't handle variable income. my take-home changes every month based on incentives, so budgeting off a fixed number never worked.

so i built Kharcha.

how it works:

- enter your income for the month, it splits your 50/20/30 budget instantly based on that actual number

- log expenses against needs / wants / savings buckets

- AI layer analyses your patterns, flags where you're consistently overspending, surfaces the stuff i used to spend an hour digging out of pivot tables

where it is right now: pre-launch but the waitlist is open at kharcha.io. basic tracking is free and AI analytics layer is paid.

looking for feedback specifically on:

- does the 50/30/20 framing feel useful or too rigid?

- does the first-time setup make sense without needing to read anything?

- is the AI analysis actually useful or does it feel like noise?

- any bugs you encounter

happy to answer anything in the comments. what would actually make you stick with a budgeting app past the first week?

feel free to go to www.kharcha.io if you are interested in testing the app out, I will share the invite link to those interested

Most guides assume your salary is the same every month

I'm in a field where my take-home changes based on incentives, reimbursements, freelance and some months just being worse than others. for the first year I tried budgeting, I kept using a fixed number basically my "average" income and then felt like i failed every month where I earned less.

The thing that actually helped is that I stopped budgeting on a fixed income and started budgeting on what actually landed in my account that month.

so instead of 50% of ₹80,000 = ₹40,000 for needs, it became "50% of whatever actually came in this month." sounds obvious but it completely changed how I felt about the exercise. a lean month didn't feel like failure anymore, the buckets just got smaller proportionally for that month

a few other things that helped when income varies:

- build a one-month buffer before you start. budget from last month's income, not this month's. removes all the uncertainty.

- separate your "committed" needs (rent, EMIs, SIPs) from "variable" needs (groceries, fuel). the committed ones don't flex. the variable ones can.

- if you have a really good month, don't absorb it into wants. route the extra straight to savings before your brain rationalizes spending it.

the 20% savings piece is the one I protected most aggressively even in bad months even if it meant the wants bucket was basically zero one month.

anyone else running 50/30/20 on a non-fixed salary? what's actually worked?