Qashly: AI Expense Tracker

About Qashly: AI Expense Tracker

An offline expense tracker and budget planner that never asks to connect to your bank.

No bank login. No account. No email address. Open Qashly and start tracking — this spending tracker works with the internet switched off, because your transactions, budgets and balances live in a database on your phone.

AN ASSISTANT THAT ACTS, NOT JUST CHATS

Say "twelve pounds for lunch yesterday, and mark the electricity bill paid" and Qashly does both. The voice expense tracker performs real actions across your accounts. Every AI action lands in a feed with a one-tap undo, so nothing touches your money that you cannot reverse.

Point the camera at a receipt, invoice or bank statement and the receipt scanner reads every line — then offers to set up the subscription or bill when it recognises one.

NINE MONEY TOOLS, EVERY ONE ON THE FREE PLAN

• Bill reminder and bill tracker — due dates, arrears, auto-pay logging, skip a cycle without breaking the schedule
• Subscription tracker — 59 ready-made services, trial-ending and price-rise alerts, true monthly commitment
• Savings goal tracker — auto-contribute, pace tracking, and a what-if simulator
• Loan calculator and debt payoff planner — full amortisation plus a payoff simulator showing months and interest saved
• Investment and net worth tracker — live crypto and stock prices, dividends, scheduled recurring buys
• UK tax calculator — Scottish and rUK bands, the £100k allowance taper, all five student loan plans, payments on account, PDF export
• Money to-do list — tasks linked to the exact bill, subscription or budget line they concern
• Eight calculators — take-home pay, loan, savings, investment, dividend, budget, tip
• Currency converter — 42 currencies with live rates

EVERYTHING A BUDGET PLANNER SHOULD DO

• Smart budgeting by category or group, with monthly rollover and a guided setup
• Daily spend limit and daily income target, with streaks
• Multiple wallets and separate projects for personal, family and business
• CSV import built for UK bank exports, including paired money-in / money-out columns, with duplicate detection
• Expense reports for spending, income and net worth; cash flow and P&L statements as PDF
• Tags, custom categories, recurring transactions, receipt attachments
• Reminders you can audit — see every notification queued for 30 days, and what was held back and why

BUILT TO STAY PRIVATE

• PIN lock in hardware-backed storage, with fingerprint or face unlock
• Hide balances, and a privacy screen that covers the app in the recents list
• No AI tool can change your PIN, disable biometrics or unhide balances — security is walled off from the assistant by design
• AI features are optional. Voice, chat and receipt scanning send that request to our AI provider to process it; everything else stays on your device

WHY AN OFFLINE BUDGET APP

An offline money manager keeps working on a plane, on the tube and abroad. No bank connection to break, no sync to wait for, no open banking consent to renew every 90 days. Qashly is a personal finance app that is yours alone.

PLANS

Free — all nine tools, one item in each. Unlimited to-dos and all eight calculators, forever. 3 receipt scans, 3 minutes of voice and 10 assistant messages to try.
Premium — £6.99/month, £49.99/year or £99.99 once. 20 of each tool, 20 custom categories, 10 projects, 50 scans, 15 minutes of voice, 50 assistant messages a month, advanced reports and PDF export.
Pro — £9.99/month, £99.99/year or £149.99 once. Unlimited tools, categories, tags, projects and wallets. 100 scans, 30 minutes of voice, 100 assistant messages a month.

3-day free trial on monthly and annual. Annual saves 40%. Lifetime plans never renew.