Expenses, bills, budgets and the money you share with other people, in one ledger. Entries can start from the bank alert you already get, and your own tracking works with no signal at all.
Screens are captures of the app running on an iPhone. The account behind them is a test one, so every name and amount is made up.
Six screens from the app as it stands, in the order you would meet them.
Earnings and expense in one list, grouped by day, with the month’s net at the top. Filter to bills, to a group, to earnings alone, or search the lot.
Expense, earnings or a transfer between your own accounts. Amount first, then only the fields you actually want to fill.
Not a number you blow past on the nineteenth. Koshac divides what is left by the days that are left, so a budget tells you what today can cost.
Earnings against expense, what that leaves, and the daily average - then the trend and the category breakdown underneath.
A trip, a flat, a game that keeps happening. Everyone sees the same balances, because the server works them out rather than somebody’s phone.
71 currencies, converted at the day’s rate, and the trip sits in the same ledger as the salary.
The whole list. There is no upgrade that unlocks the second half, and nothing here is an add-on.
71currencies
71 currencies with conversion, and an account directory covering 61 banks across nine countries. The trip, the freelance invoice and the salary all sit in the same ledger.
5ways to split
Equal, exact amounts, percentage, shares, adjustment. One bill, five ways to carve it, and the balances are worked out on the server so nobody argues with somebody else’s phone.
0bars of signal needed
Your own transactions are written to an encrypted database on your phone before anything is sent, so a flight, a basement or a tunnel changes nothing. Splitting an expense with a group is the exception: that needs a connection, because the balances are worked out on the server.
Earnings and expense, with tags, search and filters across the lot.
Bank, cash and wallet, each carrying its own balance.
Cash, UPI, credit, debit, net banking, wallet, bank transfer.
Fixed and variable, with reminders, each payment linked to its transaction.
Daily, weekly, monthly or yearly, created for you on the day.
One overall cap plus a cap per category, with alerts before you pass one.
Trends over time, category breakdowns, earnings against expense.
Real time across your devices, and a full rebuild on a new one.
A PIN, and Face ID, Touch ID or a fingerprint.
Any period out as a PDF statement, shared straight from the app.
Add group members by name without your contact list leaving the phone.
Light and dark, and eight accent colours.
Accounts and payment modes are labels on your own records, not connections to anything. Koshac is not a bank. It has no link to your bank, it holds no money and it cannot move any - marking a split settled records that a payment happened elsewhere, it does not make one happen. Nothing in it is financial advice. What Koshac is not
Four people, a weekend in Goa, eleven expenses split five different ways. The server works out the shortest set of transfers that clears everybody.
6 payments
Six separate transfers between four people.
₹10,800
moving between four people
₹4,100
once the balances net off
Aditi, Rahul, Meera and Kabir are invented, and so are the amounts. The arithmetic is not: those six debts really do net to these two payments.
Open a group and the balances are already worked out: what you are owed, what each member owes, and the shortest set of transfers that clears it. Record a payment and everybody's copy moves.
Balances are calculated on the server, so every member sees the same number. Names and amounts are illustrative.
Everything below is in the privacy policy too, in more detail, with nothing here that the policy does not also say.
The database on your phone is encrypted with SQLCipher, and the app locks behind a PIN or your face. Synced data sits in a PostgreSQL database hosted by Supabase in Mumbai, with the most identifying fields encrypted inside it; the API in front of it runs on Google Cloud. We do not sell any of it.