Auto-track from bank and UPI messages
Turn it on and Kosh picks up debits and credits as they arrive, guesses the category from the merchant, and flags possible duplicates against entries you typed yourself. Everything is parsed on the phone. Nothing is uploaded. OTPs and personal texts are ignored.
Budgets that understand subcategories
Food can hold Groceries, Cafés and Dining out. A transfer to savings can carry a category and count toward a goal. The budget screen tells you what is safe to spend per day for the rest of the month.
Reports for any range, exports that work
Week, month, year or any two dates. Category share, cash flow, top merchants, spend per account. CSV export is free. Backups are plain files you can restore on a new phone.