Кубыш: финансовый помощник

Money apps usually show the past: where your money went last month. But what actually worries you is what to do now and whether the money lasts until payday. And after you install them they are empty: first you fill in categories and expenses, and only weeks later do you see any picture at all. Kubysh is a money navigator that looks ahead. It is set up for you from minute one and shows every day how much you can spend today and whether the money lasts until payday. And the plan from each paycheck takes you towards what you want: a holiday, a safety net, a renovation, a car. A READY PLAN RIGHT AFTER INSTALL Answer a few questions about your income, fixed payments and goals, and in a couple of minutes you already have a plan until payday: a daily budget, fixed payments and how much to set aside from this paycheck. Nothing to fill in for weeks. CALM EVERY DAY • How much you can spend today - the limit updates after every expense • How many days the money lasts and whether it reaches payday • Your pace: on plan, slower or faster • A daily insight in plain words: how the period is going and what it means • "Can I afford this?" - an answer based on your own money in seconds • No spending today? Mark a no-spend day EXPENSES FROM A SCREENSHOT • Share a screenshot from your bank and Kubysh sorts the transactions into categories • Recognition runs on your phone, the screenshot never leaves it • Everything found is shown for review before it is recorded STAY ON COURSE CALMLY • Every Saturday a weekly recap: how much you saved, where the money went, whether it lasts until payday • A plan for the day in the morning, a short recap in the evening. No more than two notifications a day • At the end of each period: what worked and what the next plan looks like THE GOALS IT IS ALL FOR • A safety net and goals with a real date, not "someday" • The plan sets aside part of every paycheck, and you see your savings grow on a chart • "Look into the future": pick a date and see how much you will have saved by then SAVINGS THAT EARN • Kubysh picks deposits and savings accounts that fit your goal dates and shows how much they could earn per month • Your safety net goes to an account you can withdraw anytime, goals go to deposits that mature by the date you need • Higher rates for new and payroll clients are taken into account, and you open the deposit on the bank's website ASK KUBYSH • "How much can I spend today?", "Will I save enough for my holiday?", "Should I buy it?" - common questions are answered instantly, with a button to the right screen • The app does the maths, the AI explains it in plain words and never records anything without your confirmation PRIVACY • No bank login, no SMS access • Financial data is stored on your device • The app locks with a passcode and Face ID Amounts are in roubles: Kubysh is built for people who are paid once or twice a month.