Every feature
Everything Qashly does, in one list.
No teasers and no “coming soon”. If it's below, it's in the app today — and where something isn't built yet, it says so.
Budgeting
Give every pound a purpose.
Zero-based monthly plan
Income at the top, groups and categories beneath, and a running left to budget total that has to reach zero. A guided wizard sets it up the first time; nothing is written until you finish.
Plans that continue themselves
A new month inherits your latest plan automatically. Your first edit in that month copies the rows for that month only — so changing July never rewrites June.
Rings, gauges and real charts
Per-category rings that turn amber then red, a month-end projection when you're over, and a spend-pace gauge. Every chart is drillable: tap a segment and you get the transactions behind it.
Daily spend & income limits
Your daily spending number, with a progress ring, a trailing-days strip, best-day stats and streaks. Set a daily income target instead if you're chasing revenue rather than restraint.
Budget insights
A plain-English read on what changed this month, which categories moved, and where you're ahead or behind pace. Premium
Reports
Period stepper with custom ranges and comparisons, trend lines, donuts, net-flow hero, top movers and largest transactions.
Ask Qashly · 111 actions
An assistant that writes to the database.
Three ways in, one set of abilities. Every action shows you what it changed, and it's undoable.
Live voice
A real-time session that starts from the dashboard orb — no separate screen. Talk normally; it does the work while you're still talking, with a live transcript.
Chat, with photos
Attach a receipt, a bill or a statement screenshot straight into the conversation. It replies with action cards showing exactly what it did.
Scan anything
One photo returns the merchant, the currency, every line item — and flags a subscription or bill it spotted, offering to set it up.
It can
- Add, edit, delete and search transactions
- Bulk-import rows you paste in
- Set budgets and daily limits
- Tag, merge tags, delete unused tags
- Create and rename categories and groups
And
- Manage bills and log payments
- Add, pause and re-price subscriptions
- Run goal and loan simulations
- Record trades and create auto-invest plans
- Switch wallet or project
And
- Change how amounts and dates display
- Mute, snooze or re-tune notifications
- List what's queued for the next 30 days
- Pause, skip or stop a repeat
- Navigate you to any screen
It can't
- Touch your PIN or security settings
- Disable the app lock
- Erase your data or delete your account
- Act on a guest account
- Do anything destructive you didn't name
Powered by OpenAI. Requests go from your phone straight to OpenAI, for that one request, and are not used to train models.
The tools
Nine of them, and six run themselves.
Subscriptions, bills, loans, goal auto-save, investment plans and repeat transactions all materialise in the background and tell you before things happen.
Bills
Due dates and recurrence, arrears tracking, an auto-pay flag, log or skip a cycle, and full payment history. Thirty presets — rent, council tax, electricity, gym and the rest.
Subscriptions
Billing cycle and next renewal, free-trial tracking to the day it becomes money, price-change detection, pause and resume, a payment log and a monthly commitment donut.
Goals
Target plus target date, opening balance, auto-save plans that move real money from a linked wallet, a contributions and withdrawals ledger, milestone markers, and a “what if I add £X” simulator. Thirteen presets across nine categories.
Loans
Full amortisation schedules with principal and interest split per payment. Scheduled, extra and settlement payment types. Auto-pay from a linked wallet, payoff milestones, and an overpayment simulator. Mortgage, auto, student, personal, business.
Investments
Multiple accounts, buy / sell / dividend with fractional quantities, and optional wallet settlement so a buy debits real money. Crypto prices with 24-hour change; stocks and ETFs too. Recurring auto-invest plans, an allocation donut, portfolio and per-asset charts, and a cost-basis replay that keeps realised and unrealised profit correct even when you edit an old trade.
UK Tax Centre
Income tax including Scottish bands, the personal allowance taper above £100,000, dividends and savings with their allowances, National Insurance Classes 1, 2 and 4, student loan Plans 1, 2, 4, 5 and Postgraduate, workplace pension relief, trading and property allowances, and your effective and marginal rate. Then Self Assessment: liability, tax already taken at source, the balancing payment, Payments on Account with dates, and a deadline strip. Plus a document vault and a PDF export. 2025/26 only, estimates rather than advice — and it runs offline.
Calculators
Salary (UK take-home), loan, savings, investment, dividend, budget split, currency and tip. Inputs save as named scenarios you can restore.
To-do list
Money tasks that can point straight at the bill, subscription or loan they're about, so the task and the thing it concerns stay connected. Tasks with a due date get a reminder; completing a repeating one respawns it.
Currencies
42 currencies with live exchange rates. Display currency is formatting — it doesn't rewrite the amounts you entered. Multiple currencies: Premium
Day to day
The parts you'll touch every day.
Getting money in
- The + button
- Voice transactions
- Chat
- Receipt & document scanning
- CSV import — auto column mapping, paired money-in/out columns, duplicate detection, up to 500 rows a file
- Repeat transactions: daily to yearly or every N days, with a real pause, skip-next, run-now and an end date
Organising it
- Multiple projects — separate financial worlds
- Wallets for cash, bank, credit and investment accounts
- Transfers recorded as two linked legs
- Categories inside colour-coded groups
- Hide and restore categories without losing history
- Tags that cut across categories
- Attachments up to 10 MB, stored on device
Finding it again
- Search across the whole ledger
- Filters: date presets, category, wallet, tag, amount range
- Day grouping and swipe actions
- Multi-select with a bulk toolbar
- A summary hero that reflects your filters
Staying on top
- Around fifty notification kinds, in twelve categories
- Quiet hours that defer rather than drop
- Snooze with auto-resume
- A 30-day queue you can inspect
- A history of what was sent — and what was held back, and why
- Hide amounts on the lock screen
- Streaks with milestones at 3, 7, 14, 30, 60, 100, 200 and 365 days
Privacy & security
Offline-first, and specific about it.
No account exists
No email, no password, no sign-in. Onboarding is the only thing that creates a profile, and it lives on your device. There is no server-side copy of your finances to breach.
App lock
A PIN held in the iOS Keychain or Android Keystore, salted and iterated. Five wrong attempts locks entry for five minutes. A recovery code means a forgotten PIN never costs you your history.
Biometrics
Face ID, Touch ID, Face Unlock or fingerprint, detected from what your device actually supports.
Privacy screen
Nothing renders in the app switcher. Hide balances with a tap, and keep amounts off your lock screen.
Export and erase
Take your data whenever you like. Reset your financial data while keeping settings, or wipe everything — both run as all-or-nothing transactions. Export: Premium
What isn't built
No bank connections yet — Qashly never asks for your online banking login, and direct connections are on the roadmap. No cloud backup or multi-device sync. No iPad app and no web app.
All of it, free to try.
Download, spend two minutes on setup, and see where you stand tonight.
Free to download. Premium is £6.99 a month or £49.99 a year, with three days free.