GCash, Maya, bank - finally unified.
Your salary partly arrives through an e-wallet. You paid the tricycle driver in cash. There’s a credit card, a savings account you don’t touch, and maybe an investment account. One combined picture, no linking required.
The problem
Three apps, three numbers, one question.
Your real balance is the sum of everything you hold, and a lot of what you hold never passes through a single place that can total it up for you.
Automatic linking reads statements beautifully when the money runs through an account it can reach. Cash in your drawer, an e-wallet top-up, the ₱500 a cousin handed you - those never show up in a feed at all. For a lot of people here, that's most of the money.
You know where your money went. You just need somewhere fast and honest to put it.
Account types
A card should behave like a card.
Five types, because “bank account” isn't the whole picture.
| Type | What it holds |
|---|---|
| Bank | Checking and savings - the accounts with a statement. |
| Wallet | GCash, Maya, and the cash in your drawer. |
| Credit | Credit limit, due date, and billing period start and end. |
| Insurance | Policies you pay into and want counted. |
| Investment | Holds a balance you update - no returns or cost basis tracking. |
Credit cards carry their own fields, so a card behaves like a card rather than a bank account with a negative number sitting in it. Six sensible defaults - Cash, Checking, Savings and more - are pre-built at setup and ready to tap.
Transfers
Moving your own money isn't spending.
Cashing out from GCash to your bank is one record: money out of one account, into the other, with an optional fee. It doesn't pollute your expense totals, because it was never an expense.
The fee, though, is real money leaving - so Kashaa tracks it separately rather than absorbing it into the transfer or quietly losing it. Over a year of cash-outs that's a number worth being able to see.
Reading it back
One picture, three angles.
The Home tab opens on your account summary, then gives you three ways to read the same data.
Records
The running transaction list, grouped by day and infinitely paginated. The plain chronological truth.
Breakdown
A donut chart of where the money actually went, by category, over any date range you scope it to.
Heatmap
A calendar where each day is sized by what you spent. The fastest way to spot a pattern you didn't know you had.
These can't disagree with each other. Balances, daily rollups and category breakdowns are all computed by the same database views, so there's one definition per number rather than arithmetic scattered through the interface.
Privacy
No credentials, no read access, no exceptions.
Kashaa holds what you tell it and nothing else - there is no bank login to hand over, because there is nothing on the other end that would use one.
- Kashaa never asks for your online banking login, because it never needs one.
- It has no read access to your statements, and no way to move money.
- It holds what you tell it and nothing else.
- Your data is never sold or shared with third parties.
Related features
Debt tracker
Track debt by person - who owes you, who you owe, settled in one number.
Fast entry
A full-screen numpad. Amount, account, category, save - under five seconds.
Works offline
Your phone holds the database. Full app with zero signal.
Spending heatmap
A calendar sized by what you spent. Patterns surface on their own.
Budgets
Weekly or monthly limits scoped to the subcategories you choose.
See your real balance for once.
Add every wallet you have. The free tier covers three accounts, forever.