Explore our Features
We are building the ultimate institutional terminal for your personal finances. Here is a sneak peek of what is coming.
Split Feature
The split feature simplifies shared expense management by allowing users to create a group and invite others through a shareable link. Participants can collaboratively add expenses, track who paid for what, and clearly see who owes whom. All expense details, balances, and settlement information are transparently visible to every member of the group. As the system operates online, users can access and view the data from anywhere, with seamless syncing ensuring that updates made by any participant are instantly reflected for all.
Personal Finance Hub
Track every rupee across accounts, categories, and time. The dashboard surfaces net worth, account balances, monthly cash flow, and spending breakdowns — all updated in real time by a self-healing balance engine that recalculates running balances automatically on every transaction change. Set per-category budgets with live burn-rate progress bars and get automated insights on your biggest spending shifts.
Advanced Reminders — Auto-Pay Protocol
Schedule bills with 8 recurrence frequencies (daily to yearly) and let the Auto-Log Protocol handle the rest. A server-side scheduler checks every minute and logs overdue reminders directly to your ledger — with partial payment support, transfer reminders, trigger-count limits, and a full execution audit log. Every logging attempt, whether successful or failed, is recorded with complete metadata.
Travel Mode
Plan trips end-to-end: set destination, dates, currency, and cover — then build a day-by-day itinerary with flights, hotels, activities, and meals. Every trip automatically creates a linked split group so travel costs are tracked and settled alongside the rest of your expenses. A dedicated 5-tab trip view covers splits, itinerary, notes, documents, and trip details in one place.
Heritage Ledger — Family Finance
Invite household members with role-based access (admin, editor, viewer) and granular permission flags controlling who can see transactions, balances, and reminders. Each member sees their own spend bars and upcoming bills — exactly as much as you choose to share. The admin view aggregates activity and household bills across all members in a single unified feed.
Capital Markets Terminal
Track equity and mutual fund holdings with live stock prices refreshed every 60 seconds via a Yahoo Finance proxy. Portfolio metrics — total value, invested amount, total returns, and gain percentage — update automatically with a pulsing LIVE indicator. Pair it with the Currency Exchange Matrix covering 9 major currencies (USD, EUR, GBP, AED, JPY, SGD, CAD, AUD, INR) for a complete capital view.
Debt & Liability Matrix
Manage every loan in one place: home, personal, education, vehicle, and credit card. The built-in EMI calculator uses the standard amortization formula and each debt card shows the computed monthly payment. Drill into any loan to view a full month-by-month schedule of principal, interest, and outstanding balance. High-interest debts above 15% are automatically flagged for attention.
Smart Notifications
Stay informed without noise. The notification bell shows an accurate unread count that updates instantly whenever reminders are auto-logged, payments fail, or system events occur. Notifications are type-specific — expense, income, transfer, or alert — each with the exact amount, account, date, and time. Mark individual notifications read or unread, filter by type, and clear your feed with everything synced in real time.
Transaction Ledger
Log income, expenses, and transfers with full detail — amount, account, category, label, notes, and date. The ledger maintains a live running balance that self-heals on every edit or deletion. Infinite scroll loads thousands of entries without pagination and every transaction links back to its source: reminder, split, or debt payment.
Account Management
Add and manage multiple accounts — bank, cash, wallet, credit card, or investment. Each account maintains a precise running balance recalculated automatically by a PostgreSQL trigger engine on every transaction change. View full account history, edit details, and track balances across every account type in one unified registry.
Account Groups
Organise accounts into logical groups — Savings, Investments, Liabilities, or any custom category. Account Groups give your balance sheet structure: see subtotals per group at a glance and filter transactions by group. Perfect for separating personal accounts from business, or short-term cash from long-term holdings.
Balance Sheet
A real-time snapshot of your complete financial position — assets on one side, liabilities on the other, net worth at the bottom. The balance sheet aggregates every account grouped by type so you can see exactly how much you own and owe at any point in time. Updates live with every transaction.
Budgets
Set monthly spending limits per category and watch them update in real time as you log transactions. Each budget displays a live burn-rate progress bar showing how much of the limit has been consumed. Get automated insights when a budget is nearly exhausted and review historical budget performance across past months.
Reports & Analytics
Visualise where your money goes with interactive charts — income vs expense bars, category-wise breakdowns, net cash flow trends, and month-over-month comparisons. Reports span custom date ranges and update in real time. Identify your biggest spending categories, track your savings rate, and spot anomalies at a glance.
Categories & Labels
Build a custom taxonomy that matches your life. Create categories (Food, Transport, Rent) and labels (Work, Personal, Tax-deductible) to classify every transaction exactly the way you want. Filter, sort, and report by any combination of category and label — giving you a truly personalised view of your spending.
Loan Calculator
Compute EMIs instantly using the standard amortisation formula — enter principal, interest rate, and tenure to get the monthly payment. A full month-by-month schedule breaks down each instalment into principal and interest components, showing exactly how your outstanding balance reduces over the life of the loan.
Loan Comparison
Compare multiple loan offers side by side — different banks, interest rates, and tenures — to see which costs less over the full term. The comparison view highlights total interest paid, effective monthly burden, and break-even points so you can make an informed borrowing decision before signing anything.
SIP Calculator
Project the future value of your Systematic Investment Plans with compounding returns. Enter monthly investment amount, expected annual return, and investment horizon to see total invested, estimated returns, and final corpus. Plan for retirement, education, or a home purchase — and understand how time and rate of return interact.
Currency Exchange
Live exchange rates for 9 major currencies — USD, EUR, GBP, AED, JPY, SGD, CAD, AUD, and INR — refreshed in real time. Convert any amount instantly and browse rate history to track how currencies have moved over time. An essential tool for NRIs, frequent travellers, and anyone managing money across borders.
World Clock
Track time across multiple time zones simultaneously — essential when managing international transfers, investments in overseas markets, or coordinating finances with family abroad. The world clock displays current time for any city you add and automatically adjusts for daylight saving transitions, keeping your global financial schedule accurate year-round.
Financial Calendar
See every upcoming bill, scheduled reminder, and past transaction on a calendar view. Month and week layouts show exactly what is due when — so you can plan cash flow, avoid overdrafts, and get a time-based picture of your financial obligations. Tap any day to see the full list of events for that date.
Notes
Capture financial memos, loan terms, payment receipts, or anything else worth remembering — right inside your finance app. Notes support rich text formatting and are securely sanitised against injection attacks. Search across all notes instantly, and attach context to decisions so your future self knows exactly why a transaction was made.
Import & Export
Bring your existing financial data into Cashundo in bulk with the import tool, or export your full transaction history for tax filing, auditing, or offline backup. Export filters let you choose date ranges, accounts, and categories — so you get exactly the data slice you need, formatted and ready to use.
Trash & Recovery
Nothing is permanently deleted by default. Transactions, reminders, notes, and debts moved to trash are held and can be fully restored with one tap. The trash view shows what was deleted, when, and from which feature — giving you a complete safety net against accidental deletions with no data lost.
Profile & Settings
Personalise your Cashundo experience — set your default currency, timezone, display name, and notification preferences. Manage your password and account security from the settings panel. Preferences are persisted per account so your setup follows you across all devices and sessions without needing to reconfigure.
Release Notes
Stay up to date with every improvement, new feature, and fix shipped to Cashundo — directly inside the app. Release notes are versioned and timestamped so you always know what changed and when. A living changelog that keeps you informed as the product evolves sprint by sprint.