Last week took 70 seconds

15 payments, each written down as it happened, most in about five seconds. You notice what you spend while it's fresh, and the month's totals are right with nothing to piece together later.

9 to 15 November

Mon 9
- Café Nero€4.50
- Tesco€43.12
- Bus€2.40
€50.02
Tue 10
- Pret A Manger€8.95
- Council tax€128.00
€136.95
Wed 11
- Café Nero€4.20
- Boots€9.65
€13.85
Thu 12
- Pizza Hut€24.90
- Uber€14.60
€39.50
Fri 13
- Nando's€18.50
- Taxi€11.00
€29.50
Sat 14
- Dishoom€45.29
- Waitrose€31.75
€77.04
Sun 15
- Gail's Bakery€3.20
- Odeon€13.50
€16.70

Type it in one line

Kosha reads the amount, date and account, and guesses the rest from what you entered before.

Will add

Amount

−€12.50

Payee

Tesco

Or describe it AI

Write it the way you'd say it, and AI fills in the amount, date, payee, category and note.

lunch with Sam at Nando's 18.50 last friday

Amount

−€18.50

Date

Fri 13 Nov

Payee

Nando's

Add it offline

Install Kosha from your phone's browser. New entries you add without a signal sync when you're back online.

Install Kosha

Open it from your home screen or dock, even offline.

You're offline

New entries wait on this phone and sync when you're back.

Gail's BakeryCoffee07:52−€3.20
Bus fareTransit08:05−€2.40
Market stallGroceries08:20−€6.50

Snap the receipt AI

Kosha reads the payee, amount, date and time, and converts a receipt in another currency at today's rate.

DISHOOM

Covent Garden, London

14/11/2026 20:15

Black daal9.50

Chicken ruby15.90

House chai x29.00

Service4.00

TOTAL£38.40

VISA ****4417

PayeeDishoom

Amount−€45.29

Date14 Nov, 20:15

CategoryDining

NotePaid £38.40

See the month while it's happening

Kosha compares each day with your average for the six months before, so by the 10th you know whether you're on track.

Read a note on last month AI

In the first week of each month, Kosha writes what changed and why.

October in briefWritten 2 Nov

You spent €3,152.70, €84 more than a usual month. The Lisbon trip added €580.00 in travel; without it, October came in €496 under.

Dining was 6% under your usual and groceries 4% over. You kept 38% of your income.

Compare it with a usual month

Kosha plots spending so far against your usual pace and projects where the month will end. Switch the month or the currency.

November 2026

November so farDay 18 of 30

€2,176.20

€126 under your usual paceusual by today €2,302

1 NovToday30 Nov

Income: €5,100.00; Salary, 1 Nov
Saved so far: €2,923.80; 57% of income
Still to pay: €161.98; 3 bills before 30 Nov

Where it wentvs usual

Rent€1,240.00
fixed
Groceries€274.80
−8%
Dining€158.40
+24%
Transit€49.00
0%
Shopping€62.10
+3%
Coffee€38.60
−12%

Ask about your money AI

Answers come from your own entries, with links to the ones behind them.

What did the Lisbon trip cost?

€742.60 across 23 entries from 12 to 16 October. Flights and the hotel were €522.40 of it, and eating out €124.50.

12 OctHotel Lis−€304.00
12 OctTAP Air Portugal−€218.40
14 OctTime Out Market−€46.20

And without the flights?

€524.20, most of it the hotel.

See what's still to pay

Set a schedule once. Kosha records a fixed amount on the day it's due and asks you when the amount varies. Skip or change any one payment.

Committed per month

€1,331.97

Moved to savings

€400.00

Next payment

Rent

1 Dec

In 13 days. Recorded automatically on the day.

Clear what needs attention

Kosha flags a card to pay off, a bill not marked paid, a category above its usual and a value that's out of date.

Needs attention

Visa Card: €1,412.30 owed
Pay it off from a bank account
Dining is 24% above usual
€158.40 vs €127.74 by now, 8 payments
Octopus Energy was due 15 Nov
€88.00, not marked paid
Index fund value is 71 days old
Net worth may be understated

Everything else is on track.

Once a month, check it against the bank

Import a year of statements to start, and Kosha knows your usual month from day one. Each month after, it ticks off what matches and lists what's missing.

Import every statement at once

Kosha reads CSV, OFX and QFX files, and PDFs when AI is on. Bank text turns into payees you recognise.

current-nov.csv
visa-nov.ofx
savings-2026.qfx
wise-nov.pdf

CARD PAYMENT TO TESCO STORES 3211 ON 03 NOVTescoGroceries−€43.21
PAYPAL *SPOTIFY P2B91CSpotifyEntertainment−€10.99
DD OCTOPUS ENERGY 88213041Octopus EnergyBills−€86.40
CONTACTLESS PRET A MANGER LONDON GBPret A MangerDining−€8.95
CARD PAYMENT TO TRAINLINE.COM ON 07 NOVTrainlineTransit−€57.50
DIRECT DEBIT VODAFONE LTD 7731VodafoneBills−€24.99
FASTER PAYMENT FROM NORTHWIND LTD SALARY NOVNorthwind LtdSalary+€4,200.00

Accounts: 4, by account number
Overlaps: 9 lines counted once
Transfers: 4 pairs linked

Spot the bills you haven't set up

Kosha spots payees you pay on a steady rhythm. Make one recurring, and its past payments are filed under it.

PureGymEvery month7 payments−€34.99
iCloud+Every month12 payments−€2.99

Find out why it doesn't add up

When the difference isn't zero, Kosha runs a bookkeeper's checks, like swapped digits, a wrong sign or a duplicate. Try fixing this one.

Current account

Statement to 31 Oct

Statement balance

€2,887.91

On the statement, not in Kosha

31 OctAccount fee−€5.00

Finding the difference

Look on the statement for a fee, a charge or interest of €14.00 that isn't in Kosha yet.

Statement

€2,887.91

Ticked in Kosha

€2,901.91

Difference

-€14.00

Tick what's on the statement.

Every account in one net worth

Kosha adds up bank accounts, cash, cards and investments, each in its own currency, at daily exchange rates. Cards count what you owe, and investments count what you put in plus their latest gain.

Net worth, in euros

€85,926.95

Bank and cash

Current account
Bank, EUR
€4,812.40
Savings in the UK
Bank, GBP
£12,650.00
≈ €14,920.51
Wise
Bank, USD
US$1,930.15
≈ €1,775.74

Credit cards

Visa Card
24% of €6,000.00 used
−€1,412.30

Investments

Index fund
Investment, EUR
€43,125.00
+€5,125.00, 13.5%
US shares
Investment, USD
US$24,680.00
+US$3,180.00, 14.8%
≈ €22,705.60

€1 = £0.8478, rates updated today

See what an exchange cost

Kosha adds the fee to what the provider's rate lost against the market rate that day.

Current account to Savings in the UK12 Nov, via Wise

Sent: €502.55
Fee: €2.55
Received: £421.75
Rate: 0.8435
Market: 0.8478
Cost: €5.09

See what a trip cost

Create an event with the trip's dates, and new entries in that range join it.

Lisbon12 to 16 Oct

€742.60

23 entries

Hotel Lis−€304.00
TAP Air Portugal−€218.40
Comboios de Portugal−€39.20
Time Out Market−€46.20
Pastéis de Belém−€11.80

Travel€580.00
Dining€124.50
Other€38.10

Move money

Transfers between your accounts never count as spending.

Current accountTransfer2 Nov−€1,180.00

Visa CardTransfer2 Nov+€1,180.00

Current accountTransfer28 Oct−€400.00

Index fundTransfer28 Oct+€400.00

Current accountTransfer12 Nov−€500.00

Savings in the UKTransfer12 Nov+£421.75

Transfer feeCounts as spending−€2.55

Paying off a card and moving savings stay out of income and spending. Only the fee counts.

AI with your own key

Every AI feature is optional and runs on your provider: Anthropic, OpenAI, Gemini, OpenRouter, Ollama or any OpenAI-compatible endpoint. Turn on only what you want.

Choose what AI can see

Switch payee names off and Kosha sends a code instead, then puts the real name back in the reply.

Sent for a Pizza Hut payment

{
  "payee": "Pizza Hut",
  "amount": -24.9,
  "currency": "EUR",
  "date": "2026-11-14"
}

Use it from Claude, ChatGPT or Cursor

Accounts, entries, recurring payments and statements are also MCP tools and REST endpoints. Read the API reference

Custom connector

https://getkosha.app/mcp

Tool call

search_transactions
{ "query": "tesco",
  "from": "2026-01-01", "to": "2026-11-18" }

Result

{ "total": 31, "totals": [{ "currency": "eur",
    "spent": -133672, "received": 0 }] }