All your money. Finally in one place.
Cards, cash, deposits, stocks and OVDP bonds — in one app. Cashfolio shows your net worth, tells you what's safe to spend today and even prepares the numbers for your tax return.
Free during the beta. Web and Android are in development.
Why Cashfolio
Spending and investing, together
One app instead of a bank app, a broker app and a spreadsheet.
Made for Ukraine
Hryvnia first, OVDP coupons, NBU rates and a tax report by Ukrainian rules.
Works offline
Note a coffee in the metro — it's sent as soon as you're back online.
Private by design
Face ID lock, data encrypted on the phone, servers in the EU.
Supported
Prices come in by themselves.
- Inzhur funds — REIT, MilTech, Energy
- OVDP bonds — from the NBU
- Stocks and ETFs
- Crypto
- Any currency, at daily rates
Inzhur certificates are valued every day at their sell price — no prices to type in.
Every day
Know what you can spend today.
Cashfolio takes what's in your everyday accounts, sets aside upcoming bills and your goals, and spreads the rest until payday. One honest number every morning.
- Add an expense in two taps — or with Siri and Back Tap
- Categories, tags and monthly budgets
- Bills and subscriptions with reminders
- Hryvnia, dollar, euro and any other currency
Investing
Your whole portfolio. OVDP and Inzhur included.
Stocks, ETFs, crypto, Inzhur funds and Ukrainian government bonds side by side. Real returns, compared with inflation, a deposit or OVDP — and a calendar of the coupons and dividends to come.
- Daily prices and history
- Inzhur REIT, MilTech and Energy — valued every day
- OVDP coupons and redemptions, valued day by day
- Returns vs inflation, a deposit or bonds
- How much of you is in dollars, euros or crypto
The big picture
Net worth, financial health and goals.
Watch your net worth grow, get a financial health score with the reasons behind it, and follow your goals — from a safety cushion to your own home — with an honest date you'll reach them.
- Where the money goes, month by month
- A health score: cushion, debt, savings rate, spread
- Goals with progress and a forecast date
Only in Cashfolio
A tax report that does the hard part.
Selling shares from a foreign broker means converting every purchase at the National Bank's rate on its own day. Cashfolio does it for you and shows what to declare and pay.
- FIFO cost at NBU rates
- 18% income tax + 5% military levy
- Losses carried to next year
- Foreign dividends and tax withheld
- OVDP marked tax-free
- CSV for your accountant
An estimate from your records — check with an accountant before filing.
Privacy
Your money is nobody else's business.
Face ID lock
The app opens only for you, and hides its content in the app switcher.
Encrypted on the phone
The financial data cached on the phone is encrypted with a key that never leaves it.
Servers in the EU
Your data lives in Germany, backups stay in the EU.
No ads, no selling data
We don't show ads and never sell what you record.
Always yours
Export your transactions to CSV or delete your account at any time.
FAQ
Questions and answers
Is Cashfolio free?
Yes, while it's in beta. Write to us and we'll send you a TestFlight invite.
Which investments does it support?
Stocks and ETFs, crypto, OVDP government bonds and Inzhur funds (REIT, MilTech, Energy). Their prices come in every day by themselves.
How does the tax report work?
It converts every purchase and sale at the National Bank's rate on its own day, takes the cost FIFO and applies 18% income tax and 5% military levy, and lists foreign dividends. It's an estimate from your records — check with an accountant before filing.
Is my data safe?
The app opens with Face ID, the data on the phone is encrypted, and the servers and backups are in the EU. We don't show ads and never sell data.
Can I connect my bank?
Not yet: transactions go in by hand — in two taps or with Siri. Cards and accounts of any bank work in any currency.
Is there an Android or web version?
The iPhone app is in beta; web and Android are in development.
Be among the first.
Cashfolio is in early access on iPhone. Write to us and we'll send you a TestFlight invite.