Kosha is a complete money tracker that runs entirely on your phone. No
account, no cloud to trust, and no subscription — ever. It is free,
supported by a small banner, and one payment removes that banner for good.
Your entries are kept in an encrypted database on your own device. There is
no Kosha server, so nothing to breach and nothing to sell. The app collects
no analytics, and the ads are never told anything about your money — not an
amount, an account, a category or a receipt.
RECORD IT IN SECONDS
• A keypad built for money, with a calculator in it
• Speak an entry — recognised on device, never uploaded
• Photograph a receipt and Kosha reads the total and date, on the phone
• Paste a bank or wallet alert and it becomes an entry, read by rules and
your phone's own on-device model
• Save entries you make weekly and post them again with one tap
• Attach the receipt to the entry, encrypted with the rest
ASK IT A QUESTION
• "How much did I spend on food last month?" — answered from your own
ledger, on this phone, with the entries it counted
• No question and no figure is sent anywhere
SEE WHERE IT ACTUALLY WENT
• Spending by category, merchant, account and over time
• Daily, calendar, monthly and summary views of a month
• Net worth over time, and what each account contributes
• Tag an entry, or mark one to return to, and pull the set up later
• Write a note against a day or month — context a number cannot hold
• Search every entry recorded, by note, merchant or detail
STAY AHEAD OF IT
• Budgets for a month or a single category, with pace
• Carry what you did not spend into next month, if you think that way
• Rent, salary, EMIs and subscriptions projected forward
• Split a purchase across the months you pay it over
• Reminders before a bill is due, and alerts as a budget runs down
• Savings goals with the pace you would need
BUILT FOR REAL ACCOUNTS
• Banks, cash, wallets, cards, loans and investments
• Credit card billing cycles: what is billed and unpaid, and what has
been charged since the statement closed
• Any currency, with reference rates and entries that keep the currency
they happened in
• Transfers between your accounts, counted as neither spend nor income
• Keep separate books — household and side business — in one app, each
with its own accounts, budgets and totals
ON YOUR HOME SCREEN
• Home-screen and lock-screen widgets for spending, what is left, cards
• Quick entry without opening the app
• Siri and Shortcuts, offering your own accounts and categories
YOURS TO KEEP
• Encrypted backups, to the device or your own iCloud Drive
• Restore on any device — an Android backup opens on iPhone
• Export to CSV or Excel, and import from other apps
• An import that came in wrong can be undone in full, without touching an
entry you typed
• Type a long backlog at your computer's keyboard, over your own Wi-Fi
(Premium)
MADE YOURS
• Fourteen colours, light and dark, with matching icons and widgets
• Twenty-one languages, set independently of your phone
• Categories and accounts you can rename, reorder and put away without
losing what they recorded
• Lock it behind a PIN, Face ID or a fingerprint, and let the app switcher
show a cover, not your figures
FREE, AND WHAT PREMIUM ADDS
Everything above is free, with three exceptions. Premium is one payment,
not a subscription, and never expires:
• No ads, anywhere in the app
• Unlimited accounts — the free app holds fifteen
• Use on your computer: type a long backlog at a real keyboard
That is the whole list. Nothing else is held back, and nothing you have
recorded is ever locked away.
WHAT KOSHA DOES NOT DO
It does not connect to your bank, and does not sync between devices in this
version — moving to a new phone is done with a backup file. There is no web
version and no shared household account. Said here rather than found later.
Privacy Policy: https://tap-expense.com/Kosha/legal/privacy
Support: https://tap-expense.com/Kosha/legal/support
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