Micham

Micham What's left is yours.

Micham (மிச்சம்), pronounced “mitch-chum”, is Tamil for what's left over. You get paid, you spend, and whatever remains is your micham.

Saving even has its own phrase: micham pannu, make some left over. This app keeps that number in front of you, and keeps every record encrypted on your phone. No account, no cloud, no internet.

  • AndroidComing soon
  • iPhone and iPadComing soon

₹8,000micham

left of your ₹10,000 monthly budget

Drag it. It's the first thing Micham's Home screen tells you. These numbers are an example.

Log it the way it happens

Spending arrives as a bank text, a paper receipt or cash in hand. Micham takes all of it, and none of it leaves your phone.

Type it
Amount, category, account, note. Save stays above the keyboard.
Say it
Hold to talk: "spent 250 on petrol". Android's on-device recognizer listens, and you review before saving.
Paste a bank SMS
Micham never reads your inbox. It matches the account when it can.
Scan a receipt
The text is read on the device. No total found? Finish the entry by hand.
Micham's voice screen with a hold-to-talk button and the hint 'Try saying: Spent 250 rupees on petrol'
The review screen showing a captured entry of minus 250 rupees for petrol, with Save and Discard buttons
Micham's home screen: spent this month against a budget, account balances and today's entries
The accounts screen with net position, bank and cash balances, and a credit card showing what you owe

Know where the money actually is

Every entry belongs to an account, so balances are real. A credit card says plainly what you owe, with no minus signs to decode. Amounts read the Indian way: ₹12,34,567.89.

Moving money between your own accounts is a transfer, not spending, so it never inflates your totals. Entries, transfers and accounts can all be edited, and old accounts can be archived with their history intact.

See what's left, not only what's gone

Set a monthly budget and Home shows what remains. Insights breaks the month down by category, compares it with the last one, and tells you what you can spend each day to finish on budget.

Search and filter every entry. Deleted one by mistake? Undo brings it back.

The transactions list grouped by day, with search and filter chips
The insights screen for November with spending, budget progress, income and a category breakdown
Micham's settings screen with App lock, the On this phone permissions check, and backup options

Don't take our word for it

Micham asks Android for no network access, so it has no way to send your records anywhere. There is no account, no analytics and no ads. Entries are encrypted on the phone, with the key held in the Android Keystore.

Check it yourself: open Settings, then On this phone, inside the app. It lists the permissions the installed build really declares. On an APK, aapt dump permissions shows the same.

  • MicrophoneOnly while you hold the talk button. Voice stays on the device.
  • BiometricsOnly if you turn on App lock.
  • Everything elseNever requested: internet, SMS, contacts, location, storage.

Back up when you like: an encrypted file, protected by a password you choose. We hold no copy, so if you lose both your phone and your backup, the records can't be recovered. Read the privacy policy.

Coming soon to Android and iOS

Micham is in testing. The store links will appear here when the apps are ready.

  • AndroidComing soon
  • iPhone and iPadComing soon