# Kubysh: Budget, Savings, Goals — How much can I spend today? > AI-powered personal finance app for goal-based saving and budgeting. (iPhone/iPad app by Kirill Popov.) - Source: https://appshunter.io/ios/app/kubysh-budget-savings-goals/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 · 24 MB - Languages: English, Russian - Released: 2026-07-09 - Data updated: 2026-09-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/kubysh-budget-savings-goals/id6778792103/reviews.md ## What is Kubysh? Other apps are good at explaining where your money went. Kubysh answers the question that actually bothers you: how much can I spend today so the money lasts until payday and my goals do not slip. Answer a few questions and get a ready plan: how much to set aside from each paycheck and when your goal becomes real. After that you just show Kubysh a screenshot from your bank and it does the maths. CAN I AFFORD THIS The question people usually answer by guessing. Enter an amount and get an answer based on your own money. • Small purchase: an answer about today's budget, no lectures about your holiday • Large one: it shows honestly how far your goals move and offers an alternative - what to postpone or trim • Money is taken only from non-essential spending. Groceries, utilities, rent and loans are never touched EXPENSES FROM A SCREENSHOT, NOT BY HAND • Drop in a screenshot of your bank statement or a photo of a self-checkout screen and Kubysh sorts the transactions into categories • Recognition runs on the device, nothing leaves your phone • Everything found is shown for review: not a single rouble is recorded behind your back • After recording, Kubysh writes a short takeaway: your new daily limit, how long the money lasts, your pace against plan A SAFETY NET AND GOALS WITH A REAL DATE • Enter an amount and get the date you will reach it, plus the contribution from each paycheck. Not "someday", an actual date • Savings sit in envelopes: if you said 100,000 is for the car, the safety net cannot take it • Keep everything as one sum in a high-interest deposit - Kubysh remembers what belongs to what • "Look into the future": pick any date and see how much you will have saved by then ASK KUBYSH IN PLAIN WORDS • "Can I buy this?", "How much can I spend before payday?", "Where do I cut to reach my goal in time?" • It will not suggest a loan or spending your safety net without warning you about the risk, and never creates an expense or a goal without your confirmation SO YOU DO NOT FORGET • One evening summary a day: what is left in the plan. No other notifications • Home Screen and Lock Screen widgets: how many days the money lasts and whether goals are on track. No amounts, so nobody reads them over your shoulder • The app locks with a passcode and Face ID PRIVACY • No sign-up - just open it and use it • Nothing to connect: no bank login, no SMS access • Free, no ads, no hidden purchases • Calculations and expense recognition work offline • Financial data is stored on the device, backup sync is anonymised GOOD TO KNOW The interface and the assistant are available in English. Amounts are in roubles and deposit offers cover Russian banks - Kubysh is built for people who are paid in roubles twice a month. ## 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/kubysh-budget-savings-goals/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 Kubysh ### 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) ### 1.6 — 2026-09-04 Kubysh has stopped just counting and started explaining your money in plain words. The daily insight is written by AI - On the Payday screen and in a push you get a short text based on your real spending, plan and goals: one fact, one consequence, one thing to do tomorrow. - It is not a template. Offline you still get the regular insight, nothing breaks. A review after you close a period - Close a period and you see where the money went over two weeks, where you went over plan, where you held back, and one honest conclusion on top. - The summary is honest in every case: when you saved and when you took from savings. Small change is not sold to you as a win. Can I afford it - The answer with the amount is on top, below it where the money comes from and how your daily budget changes. - If it is not enough, you see when it will be and how far your goals move. Nothing is charged. The Overview screen - Answers the main question: how much money you have in total and what that sum is made of. Goals: look into the future - Pick a date and see how much you will have saved by then on your current plan. - No more keeping a shopping list in your head: add a small purchase right on the goals screen and Kubysh puts it into the plan and recalculates what you can afford. ### 1.5 — 2026-08-21 Version 1.5 explains what is happening to your money and shows the key number without opening the app. AN INSIGHT AFTER EVERY EXPENSE - Record an expense and you get four numbers at once: how much you can spend tomorrow, how many days the money lasts at your pace, whether you are above or below plan, and which category eats the most. - Below plan? Kubysh says by how much and reminds you that this surplus is already inside your daily limit. - Planned large purchases and mandatory payments no longer count as overspending. Spending to plan is not overspending. - Skip a few days and the app hides numbers based on yesterday's data, asking you to add the missing expenses instead. WIDGETS ON THE HOME AND LOCK SCREEN - The main question without opening the app: how many days your money lasts at your pace and whether you reach payday. - No amounts on the widget at all, so nobody reads your balance over your shoulder. - On payday the widget turns into a single "Close the period" button. PASSCODE AND FACE ID - Lock the app with a four-digit passcode and open it with Face ID or Touch ID. - While the app is in the background, the app switcher shows only the logo instead of your amounts. - Forgot the passcode? Get in with your device password, your data stays. CAN I AFFORD THIS - Enter an amount and see whether this period covers it and what happens to your goals. - Money is taken only from non-essential spending: wallet, restaurants, transport, hobbies, marketplaces. Groceries, utilities, rent, phone and loans are never touched. - You see the amount per line, not just the total. SAVINGS IN ENVELOPES - If you said 100,000 is for the car, it stays with the car. Previously everything went into one pot and the safety net took it. - Amounts are editable by hand and goal dates recalculate themselves. - While the safety net is filling, a goal shows "After the safety net", so a 0 is explained. ALSO - Shorter onboarding: seven steps instead of eight. - Full English interface and a language switch. - Instant screen switching, no lag when entering amounts. ### 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. ## Related topics [kirill diolog](https://appshunter.io/ios/topics/kirill-diolog) --- *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 2026-09-10.*