Step 1
Getting Started
Kash is an offline-first app — your data lives entirely on your device with no cloud login required. Here's how to get up and running in under 5 minutes.
Download from Google Play
Search for "Kash – Personal Finance" or tap the button on this page. Install and open the app.
Add your first account
Tap the Accounts tab and hit the + button. Choose an account type — Liquid, Investment, or Debt — and give it a name and starting balance.
Record your first transaction
Go to the Transactions tab and tap +. Pick Expense, Income, or Transfer, fill in the amount and account, and save.
Check your dashboard
The home screen now shows a live snapshot of your financial picture: monthly flow, account totals, and category breakdowns.
Before logging transactions, set up every account you use — bank accounts, wallets, credit cards, investments, and loans. Your net worth will automatically reflect their balances from day one.
Core Screen
Portfolio Dashboard
The home screen is your financial command centre. It summarises your entire money picture for the selected month.
Monthly Flow
See how much came in and went out this month at a glance. Tap to drill into income vs expense details.
Category Breakdown
Visual breakdown of where your money is going — scroll through your top spending categories instantly.
All Accounts
A consolidated view of every account balance grouped by type — liquid, investment, and debt.
Credit Card Stack
Quick access to all your credit cards — outstanding balances, due dates, and payment cycles at a glance.
Tap the eye icon on the Accounts screen to hide all monetary values — useful when sharing your screen or in a public place.
Foundation
Managing Accounts
Kash supports three account types, each with its own behaviour. Accurate account setup is the foundation of everything else.
Account Types
Liquid Accounts
Bank accounts, savings accounts, cash, digital wallets (e.g. PhonePe, Paytm). These represent money you can spend immediately.
Investment Accounts
Mutual funds, stocks, fixed deposits, and other long-term holdings. Track principal, current value, NAV, and returns.
Debt Accounts
Loans, EMIs, and credit cards. Outstanding balances here reduce your net worth, giving you an honest picture.
Adding an Account
Tap + on the Accounts tab
Choose your account type (Liquid, Investment, or Debt).
Enter the details
Name the account, set its current balance, and fill in any type-specific fields (e.g. credit limit for cards, ticker for stocks).
Save
The account immediately appears on your dashboard and is ready to receive transactions.
Enter each account's current real-world balance as its starting value. This gives you an accurate net worth from the very first day.
Day-to-Day
Recording Transactions
Transactions are the heartbeat of Kash. There are three types: Expense, Income, and Transfer.
Adding a Transaction
Tap + in Transactions
Select the transaction type — Expense, Income, or Transfer.
Fill in the amount and account
Enter the amount, pick the source account (and destination for transfers), and assign a category.
Set the date and save
Dates default to today — change them to back-date entries. Tap Save to record the transaction.
Finding Transactions
The transaction feed supports search (by description or amount), filters (by date range, account, category, or type), and pull-to-refresh. For large histories, entries load progressively as you scroll.
When you pay off a credit card or move money between accounts, always use a Transfer — never an Expense. This keeps your net worth accurate because the money hasn't left your system, it just moved between accounts.
Card Workflows
Credit Cards
Kash has special first-class support for credit cards so you always know what you owe and when it's due.
Setting Up a Credit Card
Create a Debt account
Go to Accounts → + → Debt, then enable the Credit Card toggle.
Enter card metadata
Fill in the credit limit, settlement date, payment due date, card scheme (Visa, Mastercard, etc.), and optional cashback percentage.
Log card spending as Expenses
Every time you swipe, add an Expense with the credit card as the source account. The outstanding balance updates automatically.
Record bill payment as a Transfer
When you pay the bill, add a Transfer from your bank account to the credit card. The outstanding balance reduces accordingly.
The settlement date is when your billing cycle closes and the statement is generated. The payment date is when you must pay to avoid interest. Setting both correctly lets Kash show you how many days are left before each deadline.
Wealth Tracking
Investments
Track all your long-term holdings in one place so your net worth figure is always accurate.
Mutual Funds
Store units, average NAV, and current NAV. Kash calculates current value automatically.
Stocks
Enter the ticker, quantity, and average buy price. Update the latest price to see current value and unrealised P&L.
Fixed Deposits
Track principal, tenure, and interest rate so the FD's contribution to your net worth is always visible.
Other Investments
A flexible category for bonds, NPS, PPF, real estate value, or any asset that doesn't fit neatly elsewhere.
Kash doesn't auto-sync market prices yet, so periodically edit your investment accounts to update NAV or stock price. Even a weekly update keeps your net worth close to reality.
Automate
Recurring Transactions
Stop manually entering the same transactions every month. Set up recurring templates for any predictable cash flow.
Good candidates for recurring entries
Setting Up a Recurring Transaction
Open Recurring from Settings or Transactions
Tap the recurring transactions option and hit +.
Configure the template
Set the amount, account, category, and a description (e.g. "Netflix", "House Rent"). Choose the frequency: Weekly, Monthly, or Yearly.
Apply when due
When the recurrence date arrives, open the template and apply it with one tap — Kash generates the actual transaction instantly.
Set up a monthly income template for your salary. On payday, apply it with one tap and your liquid account balance updates immediately — no manual entry needed.
Shared Expenses
Expense Splitting
When bills are shared — with a roommate, partner, or friend — Kash's split mode ensures only your actual portion is counted as an expense.
How Splitting Works
When you enable split mode on a transaction, Kash divides the total amount into two parts. Your share is recorded as an Expense, while the other person's share is recorded as a Transfer to a designated "split account" — essentially a receivable tracker that reminds you someone owes you money.
Configuring Split Settings
Go to Settings → Split Settings
Set your default split percentage (e.g. 50% for an equal split) and your default split account.
Create a split account (optional)
Create a dedicated Liquid account named something like "Shared Expenses" or a person's name as a receivable tracker.
Enable split on any transaction
When adding an Expense, toggle on Split. Kash auto-fills the configured percentage and account so you can confirm and save in seconds.
Android Feature
Smart Capture (Notification Listener)
Kash can read transaction signals from your phone's notifications — bank SMS alerts, UPI apps, and payment apps — and auto-draft pending transactions for you to review.
Enabling Smart Capture
Go to Settings → Notification Access
Tap the option and grant Notification Access permission to Kash from Android system settings.
Receive a payment notification
When your bank or UPI app sends a transaction notification, Kash parses it and creates a draft pending transaction automatically.
Review and confirm
Open the Pending Transactions list, verify the auto-filled details (amount, type, category), adjust if needed, and save with one tap.
Even if Kash was closed when the notification arrived, the draft is retained and waiting for you the next time you open the app.
Organisation
Custom Account Groups
Beyond the default grouping by account type, you can create your own groups to view related accounts together on the dashboard.
Useful Group Ideas
Creating a Group
Open Accounts → Groups
Tap the Groups option and hit + to create a new group.
Name the group and add accounts
Give the group a meaningful name, then select the accounts that belong to it. An account can appear in multiple groups.
View on the dashboard
Your custom group now appears as a consolidated balance widget alongside the standard account type groupings.
Personalisation
Custom Categories
Kash ships with a sensible set of default categories, but you can fully customise them to match how you actually spend and earn.
Managing Categories
Go to Settings → Expense / Income Categories
View and manage your full category lists for both transaction types separately.
Add a new category
Tap + and type a name. Kash prevents duplicate names within the same type to keep your data consistent.
Edit or delete
Long-press or tap an existing category to rename it. Unused categories can be deleted to keep your list clean.
Consistent category use is what makes the dashboard's spending breakdown actually useful. Spend a minute setting up categories that match your life before logging your first transactions.
Data Safety
Backup & Restore
Since Kash is 100% offline-first, creating regular backups is the key to protecting your financial history.
What Gets Backed Up
Creating a Backup
Go to Settings → Backup & Restore
Tap Export Backup. Kash generates a backup file.
Save it somewhere safe
Share the file to Google Drive, WhatsApp Saved Messages, your PC, or any cloud storage. The file is a portable snapshot of all your data.
Restoring a Backup
Go to Settings → Backup & Restore
Tap Restore Backup and select your backup file.
Confirm the restore
Kash will replace all current data with the backup. Use this when switching devices or recovering from data loss.
Since there's no cloud sync, always export a backup and confirm the file saved successfully before formatting your old device or setting up a new one.
Power User
Pro Tips
Get even more out of Kash with these habits and tricks.
Do a weekly 5-minute review
Once a week, open the dashboard, swipe through your pending transactions and transaction feed, and make sure every entry is categorised correctly. This 5-minute habit keeps your data accurate without feeling like a chore.
Enable Smart Capture for zero-effort logging
Granting notification access lets Kash pre-fill 80% of your transactions automatically. You just review and confirm — cutting manual entry time significantly.
Treat credit card spending as the source account
Always pick your credit card as the source account when logging card purchases — not your bank account. The bank account only moves when you actually pay the bill (use Transfer for that).
Use custom groups to track goals
Create a group called "House Fund" containing your dedicated savings account and relevant FDs. Watch the combined balance grow toward your goal without any extra effort.
Set up all recurring transactions upfront
Spend 10 minutes on first setup creating recurring templates for salary, rent, and all subscriptions. From then on, each month takes under a minute to fully log.
Back up monthly (at minimum)
Set a calendar reminder on the 1st of every month to export a backup to your cloud storage. Your financial history is irreplaceable — treat it accordingly.