Kosh - Private Money Tracker

No cloud. No bank access. No subscription. Kosh keeps your money on your phone. Not on a server, not in an account, not shared with anyone — including us. Most budgeting apps ask you to hand over your bank logins and then sell you a subscription for the privilege. Kosh does neither. There is no sign-up, nothing to log in to, and no way for your transactions to leave your device unless you export them yourself. What it does · Add a transaction in about three taps · Accounts, categories, budgets and reports · Transfers between accounts, including different currencies · Repeating transactions you confirm, not ones that appear behind your back · Search and filter by text, category, account, date or amount · Import a CSV statement from any bank — Kosh works out the format itself · Export everything to CSV whenever you like · Encrypted backups you keep, protected by your own passphrase · PIN and biometric lock How private, exactly · Your database is encrypted on the device · No analytics, no trackers, no ads, no crash reporting · No account, no email address, nothing to sign up for · The app makes exactly one kind of network request: fetching exchange rates, off by default, only when you tap the button · Everything else works in airplane mode Free, and Pro Free gives you unlimited transactions, full history, two accounts, budgets, reports, search, and CSV import and export — permanently. Kosh Pro is one payment, not a subscription: unlimited accounts, multiple currencies, repeating transactions, encrypted backups, and custom category icons.