# Кубыш: сбережения и подписки — Планировщик трат и платежей > AI-powered personal finance app for goal-based saving and budgeting. (iPhone/iPad app by Kirill Popov.) - Source: https://appshunter.io/ios/app/id6778792103 (this page in markdown: same URL + `.md`) - Developer: [Kirill Popov](https://appshunter.io/developer/6778792105) - Category: Finance, Productivity - Price: Free - Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed - Age rating: 12+ - Requires: iOS 17.6 · 20 MB - Languages: American English - Released: 2026-07-09 - Data updated: 2026-08-09 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/id6778792103/reviews.md ## What is Кубыш? Kubysh works out how much you can safely spend before your next payday, and gets you to your goal without complicated spreadsheets. Answer a few questions and get a ready plan: how much to set aside from each paycheck, and when your goal becomes real. Please note: the interface and the AI assistant are in Russian, and deposit offers cover Russian banks. The app was previously called «Кубышка» (Kubyshka) - only the name has changed. CAN I AFFORD THIS? The question most people answer in their head or in a spreadsheet. Enter an amount and get an answer based on your actual money. • A small purchase answers about today's budget and does not lecture you about your holiday fund • A large one honestly shows how far your goals move, and offers a safe alternative: what to postpone or trim • The answer is calculated on your phone instantly, with no network wait. AI is used only when you tap for it AI MONEY ASSISTANT Ask in plain language and get one concrete answer about your money, not generic advice. • «Can I afford this purchase?» - yes or no, under what condition, and how it shifts your goals • «How much can I spend before payday?» - a number for today • It never suggests a loan or spending your emergency fund without warning you about the risk WHAT ELSE KUBYSH DOES • Budget from payday to payday - plan around how money actually arrives, not calendar months • Daily limit - always see how much you can spend today and stay on plan • Expenses from a screenshot - show a bank statement screenshot or a photo of a self-checkout screen, and Kubysh reads the amounts and sorts them into categories • Everything recognised is shown for review first - nothing is recorded behind your back • Goals with a forecast - enter an amount and a deadline, and the app works out the contribution per paycheck • Several goals at once - see what is on track, what is not, and why • Emergency fund - a separate reserve with an honest forecast • All savings as one sum - keep the money in one deposit at the best rate while the app remembers what is earmarked for what • Period pulse - one glance at spending pace, buffer and goal progress WHY IT WORKS Most apps expect you to keep a budget by hand, and a spreadsheet expects you to invent the formulas and recalculate the consequences of every purchase yourself. Kubysh reads the bank screenshot and proposes the plan itself - you just check and confirm. If there is less on your card than the planned spending, it trims flexible categories itself instead of showing you a red minus. PRIVACY • No sign-up - just open it and use it • Free, no subscriptions and no hidden purchases • Bank screenshots are recognised on the device • Financial data is stored on the device; backup sync is anonymised • For AI answers, an anonymised summary of your plan is sent to our server and to a language model - without your name or account numbers • No ads, no sharing your data with third parties Kubysh exists so that you feel in control and know your goal is reachable. ## Key features - Goal setting with achievement date prediction - Salary-based budgeting - Expense tracking from bank screenshots - Emergency fund management - AI financial assistant - Local data storage ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/id6778792103/reviews.md ### 5/5 — кратко о приложении *2026-07-29* Удобное приложение для того чтобы рассчитать траты и копить на мечту, пользуюсь чуть меньше недели, очень удобно и просто. Ещё ребята вносят поправки чуть ли не каждый день, в том числе логотип приложения обновили, видно стараются! ## Frequently asked questions about Кубыш ### How does Кубышка help me save for goals? Кубышка analyzes your income and expenses to create a personalized savings plan. It predicts when you'll reach your goals and suggests how much to save from each paycheck. ### Can Кубышка track my expenses automatically? Yes, Кубышка can recognize and track your expenses directly from screenshots of your bank statements, processing this data on your device. ### Is my financial data secure with Кубышка? Your financial data is stored locally on your device, ensuring privacy and security. The app does not require registration or cloud synchronization. ### Does Кубышка have ads? No, Кубышка is completely free and does not contain any advertisements. ### What devices does Кубышка support? Currently, Кубышка is available for iPhone devices. ### How often is Кубышка updated? The latest version, 1.3.1, was released on July 28, 2026, indicating active development and regular updates. ### What is the age rating for Кубышка? Кубышка has an age rating of 12+, making it suitable for teenagers and adults. ### Does Кубышка offer an emergency fund feature? Yes, Кубышка includes features for managing an emergency fund and distributing your savings effectively. ## Version history (last 5 releases) ### 1.4 — 2026-08-07 Кубышка is now Кубыш (Kubysh). The name changed grammatical gender in Russian, so every phrase the app uses about itself changed too. Your data, goals and savings stay exactly where they were. CAN I AFFORD THIS? • Enter an amount and Kubysh answers whether there is enough money today, and shows the consequences for your goals if the sum is large • A small purchase no longer lectures you about your holiday fund • The same check is available on a goal card • The answer is calculated on the phone; AI is used only when you tap for it MONEY IS SHARED OUT SENSIBLY • Categories are funded first, then the wallet for spontaneous spending, and only the remainder goes to savings • The first plan no longer offers to go into the red, and no longer warns about a shortfall before you have entered your card balance • If the plan was trimmed to fit your money, the app says plainly why the number changed EXPENSES • Add an expense from a photo of a self-checkout screen, not only from a bank screenshot • Everything recognised is shown for review - not a single rouble is recorded behind your back • Two photos of one purchase no longer become two expenses • An expense with no title no longer arrives as «No name» • Your own categories are no longer counted as overspending for the day CATEGORY BUDGET • A category paid exactly to plan is now green with a «Done» status instead of an orange warning • A category card expands to show the expenses in it for the period • An unpaid category, utilities for example, can be moved to the next payday GOALS, EMERGENCY FUND AND FORECAST • The emergency fund date is now the same on every screen, and growing savings can only move it earlier • The deadline you chose for a goal is no longer replaced by a forecast • «Look into the future» now also shows money your goals no longer need • «Overview» and «Goals» agree on how many goals are at risk • A goal created with money already saved no longer inflates your savings total TONE The app now talks about the state of your plan instead of telling you what to do. When money is short, the advice first offers to postpone a planned purchase rather than cut your food budget. SPEED AND SMALL THINGS • Typing wallet amounts and your nickname no longer stalls on every character • You can always leave expense entry: the bottom navigation no longer disappears • A loan payment is confirmed with a message • Long messages to the assistant are no longer rejected • Tapping a hidden amount now both reveals and hides it • «Reset everything» also clears screenshots that were shared but not yet processed ### 1.3.1 — 2026-07-28 Kubyshka now does the maths honestly. You will notice it on the first screen. THE NUMBERS ADD UP A goal forecast no longer promises the impossible. If your pace needs five months, you will see five, not one. The completion date now comes from the same plan as the pace, so a goal card can no longer contradict itself. "Will be set aside at the end of the period" now matches the monthly pace it promises. "Total until payday" no longer shows money you do not have. LOAN PAYMENTS ARE FINALLY COUNTED Log a mortgage or an instalment and the amount leaves its own category instead of sitting at zero. It also stops turning into a fake "daily overspend". KUBYSH SUPPORTS, IT DOES NOT JUDGE Went over your daily budget? Kubyshka will not scold you. It calmly shows what to do next. The AI assistant will no longer suggest saving on food. FASTER, AND WITHOUT A VPN The leaderboard and metrics load reliably instead of every other time. Chat answers even while the connection is still coming up, and your message is no longer lost. WE MEET AFTER, NOT BEFORE First we show you your finished plan. We ask for a nickname at the end, once it is clear what it is for. SMALL THINGS New app icon. The past-period review is no longer skipped. Total savings can be edited again. The "turn the phone face down and back" gesture hides and reveals amounts again. Goal and expense names can no longer be made of emoji alone. Update and take a fresh look at your plan. ### 1.3 — 2026-07-26 Big update: Kubyshka now has an AI assistant, and the maths finally adds up. KUBYSH ANSWERS ABOUT YOUR OWN MONEY Ask in plain language and get one concrete answer instead of generic advice. - "Can I afford this purchase?" tells you yes, no, or under what condition, and how it shifts your goals - "How much can I spend before payday?" gives today's number - "I need to relocate urgently" asks one question about what's missing, then splits the amount into tickets, housing, first months and a reserve - "I'm spending more, everything is getting expensive" compares periods, finds where the growth is real, and shows where to take money from painlessly It will not suggest a loan or spending your safety net without warning you about the risk. THE PLAN NO LONGER GOES NEGATIVE If you have less on your card than your planned expenses, Kubyshka trims the categories to fit the real amount. Sensibly: marketplaces and restaurants first, groceries almost last, and it never touches rent, loans or fixed-date payments. THE NUMBERS ADD UP "Total until payday" no longer shows money you do not have. SAFETY NET AND GOALS WORK TOGETHER - Cap how much goes into the safety net each month, the rest goes to goals in parallel - A goal queued behind the safety net no longer says "you will not make it", it honestly shows when it starts - Bonuses speed up goals again A GENTLER FIRST PLAN A buffer stays for spontaneous spending instead of everything going into savings. PAYDAY SCREEN IS CLEANER Categories are collapsed, tap to expand. Edit the plan on the fly: change an amount, remove a cancelled expense or move it to the next payday. ALSO - We ask for your nickname at the end of onboarding, after you see the plan - New app icon - First expense straight from a screenshot - Chat feels like a messenger: reply to a message, prompts, timestamps - Leaderboard explains how XP works on first open Update and check your plan against real numbers. ### 1.2 — 2026-07-20 Кубышка стала быстрее приводить к результату и приятнее выглядеть. AI-советник: - Отвечает по-человечески: «Можно» или «Лучше подождать» — с остатком бюджета, а не расчётами. - «Когда я накоплю миллион?» — конкретная дата по твоим реальным доходам. - Не создаёт цель или трату без подтверждения. Новый онбординг и первый план: - Кубышка сама подставляет частые категории и суммы — тебе остаётся проверить. - Аренда и коммуналка просят дату платежа, чтобы план был точнее. - Квартальные премии можно привязать к любому месяцу. - Главный экран показывает, сколько можно тратить сегодня, а не только сумму на карте. Деньги и подушка: - Кубышка — все накопления одной суммой на вкладе с максимальным процентом; конверты только запоминают, что на что отложено. - Пока подушка безопасности не собрана — прогнозы целей честно это учитывают. - Пульс периода объясняет, из чего складывается индекс. Стабильность: - Новая иконка приложения. - Почистили фризы онбординга, поправили расчёт бюджета на день и связь на слабом интернете. ### 1.1 — 2026-07-12 Улучшено распознавание скриншотов банков: подойдёт любой экран — список операций, покупка или квитанция. Категории точнее, распознанную трату можно поправить перед сохранением. Дневной бюджет на Получке и честные итоги периода. Мелкие исправления — копится спокойнее. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-09.*