Everything below is shipped and running in the product today.
Five account types — bank, credit card, crypto wallet, investment and cash — each in one currency, with a default account preselected across the product. Settled and available balances are tracked separately and are always derived from your transactions, never typed over.
Mid-market rates from a single central provider, stored per calendar day and permanent once written. Every transaction remembers the rate set it used, and every downstream calculation reuses it — which is why your figures don't drift.
Three transaction types and six statuses that each move balances differently. Categories, notes, commissions, cheque and tracking references, and refunds that link back to the original and reverse it cleanly.
One template per series with its own cycle, end date and default status. Occurrences are generated for you and can be backfilled, paused, or dated ahead. Subscriptions, rent, payroll and standing transfers all fit.
Loans, installment plans, credit-card plans and personal debts, with real schedules and progress. Link a debt to an account so payments become transactions, or track it separately so it never touches your balances.
One-time or recurring budgets in a single currency, scoped to the accounts and categories you pick. Overlap is checked, new periods roll over automatically, and pausing keeps what's already counted.
Category groups holding subcategories, split into income and expense, each with its own icon and colour. Only subcategories attach to transactions, so your rollups stay meaningful instead of turning into a flat list of forty tags.
Everything waiting on a decision, in one screen. Generated payments and anything you saved as pending sit here until you confirm them — reducing available balance but never counting toward budgets or settled balances first.
Upload, map, review, confirm. Any file from any institution worldwide, with column mapping, type detection from amount signs, and support for Gregorian, Jalali and Hijri dates on the way in.
A streaming chat grounded in your accounts and recent transactions, a one-tap dashboard summary in your own language, and AI assistance inside the import wizard. Read-only by design — it answers and summarises, and can never write to your records.
Quick stats against the previous 30 days, cash flow over the window you choose, your most-used account, recent transactions, upcoming installments and recurring occurrences, and total net worth across every active account.
Budget thresholds, installment reminders and overdue warnings, new budget periods, generated recurring payments, and a note whenever an estimated exchange rate settles into a different amount — in the bell and in your inbox.
A built-in converter using current mid-market rates, a freshness indicator in the top bar with manual refresh, and clear labelling of which rate produced every converted figure you're looking at.
Six fully translated languages, five date formats, your own timezone, and a fiscal month start day that shifts every "this month" in the product. Records that span time keep the timezone they were created in, so relocating doesn't rewrite your history.
We never collect bank credentials because we never connect to a bank. Export, reset and deletion each re-check your password.
Read the full pageBudgets, imports, debts, analytics and an assistant that knows your numbers — without the spreadsheet chaos.
Pick the currency your limit lives in, then choose exactly which accounts and categories count toward it. One-time or recurring, with new periods created for you and overlap checked before you save.
Upload a CSV or XLSX export from any bank, anywhere. Rasa AI can read the file's structure, suggest a category per row and even spot repeating subscriptions — but every suggestion goes through you before a single record is created.
Add a loan or installment plan with its real schedule. Rasa Money tracks each payment against the outstanding balance, shows what's left, flags what's overdue, and converts the whole thing into your base currency.
Income, expense, net and budget spend for the last 30 days, each compared against the 30 before it. Cash flow over the window you choose. Top categories by amount and by frequency. Net worth across every active account, converted at today's rates.
No bank login — we never connect to your bank. Export, reset and deletion ask for your password again.
Rasa AI reads your real accounts, budgets, categories and recent transactions to answer questions in plain language — and it knows the product too, so "how do I create a budget?" gets a real answer.