Home
Recent
History
Suggested budgets From your last three months. Tap one to apply it.
Set a monthly budget
Spending habits
Month by month
Worth a look
Emergency fund Planned monthly costs times your target months
Living costs leave out business, trading and investing. Set your target in Settings, under Financial plan.
Monthly allocation
Payoff plan How long your debts take at a fixed monthly amount. Amounts are the euro values saved on each debt.
Recent movements
Volume by month Money moving in and out, not trading profit or loss
Net deposited, running
Net flow by month Withdrawals minus deposits
Net flow, running
By year
By exchange
Your accounts Connected banks show what the bank reports. Cash and exchanges move when you log an entry.
Transfers
Log invoices you have been paid and business costs you can document. The tax scenario uses a yearly income you enter yourself.
Planning for Belgium
A resident scenario for after your move. Your past records stay as they are. Enter a yearly taxable income. Bank deposits and net pay are not the same thing.
Yearly income scenario
How it adds up
Notes
Sources and limits
FPS Finance: rates and allowancesComing up Bills, invoices, refunds and subscription renewals
Your subscriptions
Possible subscriptions Charges that repeat in your history. Tap the tick to track one.
Paid and settled
Trends
Income and expenses
Top categories
Recorded net cash flow Logged income minus expenses, running total
Monthly averages
What you own and owe All your money
Insights Based only on what you have logged All your money
Monthly and yearly reports
Banks
Read only. New movements wait on Home for you to check, and any you already logged are linked to that entry.
You
Security
App lock asks for a PIN each time Kosha opens on this device. Only a salted hash is kept, on this device. Auto sign-out is also per device.
Data
App
Insights and tax planning use these instead of guessing.
Banks write your full name on payments between your own accounts, in any order. Kosha uses it to log those as transfers, not income and spending. Separate several names with commas.
Signs you out of Kosha on this device after this long without use, including when the app has been in the background.
Runs when you open Kosha and keeps the totals for comparison.
Every night Kosha saves everything to Cloudflare R2, encrypted with a key only you hold. It keeps 35 daily copies and one for every month.
To restore, follow "Backups and restore" in the README. You need the private key from your password manager.
Let your other apps read your records and add entries. Entries they add show up here and move balances like any other. A venture key sees only that venture's income and expenses, nothing else.
Base URL:
Log from the iPhone share sheet
- Create a key above with "Read and add entries".
- In Shortcuts, make a new shortcut and turn on Show in Share Sheet for images and PDFs.
- Add Base64 Encode on the Shortcut Input, then Get Contents of URL:
POSTto the base URL plus/capture, headerAuthorization: Bearerand your key, and a JSON body whoseimagefield is the encoded text. - Share a receipt or a bank screenshot to it. The drafts wait on Home until you check them.