Overview
Overview
Income vs Expenses
Top Expense Categories
Net worth trend — reconstructed from your logged flows
Monthly averages
Composition
✨ AI insights — powered by Gemini · auto-refreshes on your schedule
Transactions
Savings
History
Budget
Suggested budgets — 3-month trend · tap to apply
Set a monthly budget
Spending habits — your trends
📊 Monthly analysis — month vs month
⚠ Alerts & anomalies — automatic
🛟 Emergency fund — living costs × target months
🧭 Allocation advisor — where your surplus should go
Debts
Trading / Crypto
Realised vs unrealised P&L
Realised = money withdrawn − deposited. Unrealised = your exchange balances now − what's still deposited. Keep each exchange's balance current on the Accounts tab (with its snapshot date) for an accurate figure.
Ramp volume by month
Cumulative net deposited
Monthly net flow — off − on, realised each month
Cumulative realised P&L — running withdrawn − deposited
Annual futures P&L
By exchange / rail — on / off / net per platform
Recent movements — last 5 · load more for older
Wealth
Accounts
Your accounts — tap the pencil to update a balance anytime
Recent transfers — last 5 · load more for older
Self-employed
Recibos verdes income you log here is taxable and feeds the Tax tab. Tag existing income as Self-employed via Transactions → Edit → Income source. Business expenses lower your tax under the organized regime.
Tax (Portugal)
Portugal tax estimate — rough, not tax advice
Your official figures — optional, for this year · from Portal das Finanças
You log salary after descontos (the net that hits your account). Enter your gross registered income and what was withheld so the estimate matches your IRS return and shows if you'll owe or get a refund.
Self-employed regime — simulate which is cheaper for you
Simplified taxes 75% of invoiced income automatically (no bookkeeping). Organized taxes profit after real documented business expenses — better when your costs are high, but requires certified accounting.
How it's calculated
Tax optimization — levers to review before you file
Subscriptions
Your subscriptions
Detected recurring — repeated charges in your history · tap ✓ to track
Bills
Upcoming — bills, invoices, refunds & subscription renewals
Paid / settled — recent
Reports
Settings
Account
Your data
App lock
No PIN set
Requires a PIN each time Kosha opens on this device. Stored hashed locally — never sent anywhere.
Financial plan
Shapes the allocation advisor's suggestions
Months of living costs to keep liquid
% of monthly surplus the advisor targets at investing/trading
Automatic AI audit
Refreshes your finance audit & snapshots your metrics when you open Kosha
Each audit stores a snapshot of your net worth, savings rate, spending and debt, so the Overview shows whether you're trending up or down.
Change password
Data & app
Add to home screen — works offline
Spreadsheet-ready CSV
All accounts & records as JSON
You'll need to log in again