A personal finance manager built on a real double-entry ledger — envelope budgeting, CSV import with rule-based categorization, pivot reports, and optional self-hosted sync. Your data stays on your device.
Built on a real double-entry ledger, not spreadsheet hacks. Every feature earns its place.
Zero-based budgeting with Ready to Assign. Every dollar gets a job. Categories roll over month to month with carryover. Move money between envelopes anytime.
Rent, salary, subscriptions — set the rule once with RRULE scheduling (weekly, monthly, yearly). Post upcoming transactions with one click.
SQLite on your device. No internet needed. Optional multi-device sync via self-hosted relay. Your data never touches a third-party server.
Append-only hash-chained journal. Every posting is balanced. Period locks, audit logs, and reconciliation built in — not bolted on.
Paste a CSV, auto-detect columns. Rule engine auto-categorizes with merchant matching, regex, and tag assignment. Deduplication included.
Spending by category, income by payee, net by month. Trial balance, profit & loss, cash flow — all computed from your real ledger.
No bank linking, no setup wizard marathon. Open the app, add accounts, and start tracking.
Checking, savings, credit cards, cash — add them all. Choose your base currency. Double-entry keeps every balance accurate.
Log expenses, income, and transfers manually — or paste a CSV. Rules engine auto-categorizes with merchant matching.
Ready to Assign shows what's unallocated. Fund envelopes, track spending, move money between categories. Every dollar has a job.
From spreadsheet chaos to real accounting clarity.
"The envelope budgeting with Ready to Assign changed how I manage money. I can see exactly what's unallocated and move funds between categories instantly."
"CSV import with auto-categorization rules saved me hours. Paste my bank export, rules match merchants automatically, and I just review and confirm."
"Double-entry ledger with hash-chained audit logs — I've never seen that in a personal finance app. The reconciliation flow is exactly what I needed."
Cashly is built on Nahal — the offline-first household platform. No bank linking. No subscription. Your data stays on your device. Just open Cashly and start.
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