Toshl Finance
Toshl Finance is a cross-platform personal finance, budget and expense tracker built around visual money flows, four-tap manual entry and automatic bank sync
Buy Toshl for the visualisations, not for the bank sync — river flow, Left to Spend and planning graphs are the features reviewers keep naming, and they arrive with Pro. If automatic bank sync is the reason you're shopping, it lives only in Medici, so get that quote and stack it against YNAB and Monarch Money before you commit. Free is a real entry point for testing manual tracking, capped at 2 financial accounts and 2 budgets, and the pricing page describes a 30-day Pro-or-Medici trial that collects payment info but doesn't charge until it expires. Toshl is a personal tracker: there's no investment, crypto or forex tracking and no team expense workflow.
Verified 5d ago · liveness 78/100 · cite: rightaichoice.com/tools/toshl-finance
- Individuals tracking personal spending across multiple accounts and cards
- Manual-entry users who want to tap in expenses in four taps on the go
- Budgeters drawn to river flow, Left to Spend and planning graph visualisations
- Multi-currency households and travellers needing historic exchange rates
- Anyone tracking investments, stocks, crypto or forex
- Team or small-business expense reporting and invoicing
- Users who want bill pay or other direct banking actions inside the app
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Skip Toshl if you need automatic bank sync without paying for the Medici tier, or if your finances are investments, crypto and forex rather than cards and cash.
Automatic bank sync is a Medici feature only, so budget for the top tier if you don't want to import files or type entries.
Toshl's Free tier is a genuine test bed at 2 accounts and 2 budgets, Pro suits a manual-entry individual or household that wants unlimited accounts, budgets and planning graphs, and Medici is the tier to price against YNAB and Monarch Money if automatic bank sync is the feature you actually need — compare all three on the sync tier before you commit, since Toshl's sync lives only in Medici.
In short
Toshl Finance — Toshl Finance is a cross-platform personal finance, budget and expense tracker built around visual money flows, four-tap manual entry and automatic bank sync. Best for Individuals tracking personal spending across multiple accounts and cards, Manual-entry users who want to tap in expenses in four taps on the go, Budgeters drawn to river flow, Left to Spend and planning graph visualisations. Free to use.
What's new in Toshl Finance
Checked 5 days agoAcross the latest 1 update: 1 news mention.
What people actually say about Toshl Finance — is it worth it?
We ran a structured research pass across product reviews, community discussions, and post-purchase forum threads to surface the patterns vendors won't publish themselves. Below: the recurring strengths, the hidden costs people mention most, and the cohort that consistently regrets adopting this tool.
27 mentions across 3 sources (YouTube, Product Hunt, App Store) · researched Aug 31, 2026.
Average across the 3 sources that answered — each source counts once, not each post.
- +Simple and intuitive UX—appreciated by users for over a decade.
- +Powerful multi-currency support with historical exchange rates.
- +Unique river flow visualization for understanding cash flow.
- +Customizable rollover budgets with left-to-spend indicator.
- +Very responsive developer team, evident in app evolution.
- −No native iPad app; web version is a workaround.
- −Auto-categorization lacks a way to recategorize historical transactions.
- −Reporting tools are weak—no pivot tables or easy number comparisons.
- −Bank sync not available for some regional banks (e.g., Russian banks).
- −Free plan limited to 2 accounts and 2 budgets; may feel restrictive.
- • Some bank sync connections may require additional fees or are not available for all banks.
- • Export features are only available on Pro or Medici plans.
Viability Score
How well maintained and how widely used is Toshl Finance? Built from what the vendor actually publishes (docs, changelog, tutorials, integrations, pricing), whether the site is live, and how much real users discuss it. How we calculate this
Last calculated: October 2026
How we score →Key Features
- Four-tap quick manual entry for expenses and incomes on mobile and web
- Automatic bank connection sync for bank accounts, credit cards and other financial accounts (Medici)
- Published list of banks available for sync
- Import from 8 file formats in the web app: csv, ofx, qfx, tsv, tab, xls, txt, qif
- Export data to CSV on Free; CSV, PDF, Excel, Google and Evernote on Pro and Medici
- River flow visualisation of funds moving between accounts over a month or longer period
- Left to Spend indicator comparing spend against time elapsed in the month
- Planning graphs for projecting future balances and reviewing past months and net worth
- Spending breakdowns by category and tag
- Locations map totalling spend per store, restaurant or bar (Pro and Medici)
- Receipt photos up to 4 per expense or income (Pro and Medici)
- Repeating expenses, incomes and transfers (Pro and Medici)
- Reminders for upcoming entries (Pro and Medici)
- Lock mobile app with fingerprint or passcode (Pro and Medici)
- Unlimited financial accounts and budgets (Pro and Medici)
About Toshl Finance
Toshl Finance is a personal finance, budget and expense tracker with apps for Android, iOS and the web at toshl.com. You either connect your financial accounts or tap expenses in manually — Toshl's own homepage says quick entry takes four taps to add an expense or income — and then the app shows you where the money went. The visualisations are why people stay: a river flow diagram of how money moves between accounts, a Left to Spend indicator that compares your spending against the portion of the month already elapsed, planning graphs for reviewing past months and projecting future balances, breakdowns by category and tag, and a locations map that totals spend per store, restaurant or bar. Data entry covers tap-in expenses and incomes, import from eight file formats (csv, ofx, qfx, tsv, tab, xls, txt, qif) in the web app, receipt photos up to four per entry, repeating expenses, incomes and transfers, and reminders for upcoming entries. On mobile you can lock the app with fingerprint or passcode. Toshl's own pricing page describes a 30-day free trial of Pro or Medici that asks for payment info but does not charge until the trial expires, and it splits the product into three tiers — Free, Pro and Medici — where automatic bank sync of bank accounts, credit cards and other financial accounts is a Medici feature, with Toshl publishing a list of banks available for sync rather than promising every bank. It is explicitly not accounting software: the pitch is personal finances the easy way for individuals tracking their own cards and cash, including multi-currency users. A Toshl blog post dated 3 October 2025 covers currency switching for Bulgaria's move from BGN to EUR on 1 January 2026 — you set the new main currency with the recommended conversion, and historic data stays in the original currency with conversion values applied. Reviewers on Toshl's homepage repeatedly describe a roughly five-minute-a-day manual entry habit. The closest alternatives buyers weigh are YNAB and Monarch Money; Toshl leans harder on visualisation and manual tracking than either.
Behind the Verdict
Toshl Finance earns its keep on the way it renders money movement rather than on the breadth of its data plumbing. The homepage names four visual surfaces and each does a specific job: river flow shows funds moving between accounts over the current month or a longer period; Left to Spend compares what you've spent to the time already passed in the month and folds in your main budget; planning graphs evaluate past monthly balances and category spending while projecting net worth forward; the locations map sums spending per store, restaurant or bar. A category-and-tag breakdown sits alongside them so you can find the sinkholes. For a household run on manual entry that wants to see the shape of a month, that combination is the product. The entry mechanics are deliberately low friction. Toshl's homepage advertises four taps to add an expense or income, and reviewers quoted there describe a five-minute-a-day routine; one July 2019 reviewer on Google Play calls it 'the best app in the market' after replacing MoneyManager EX, and a Twitter user notes splitting a single hypermarket receipt across categories. Beyond tap-in: import from eight formats (csv, ofx, qfx, tsv, tab, xls, txt, qif), receipt photos up to four per entry, repeating expenses/incomes/transfers, reminders for upcoming entries, and fingerprint or passcode lock on mobile. Export goes to CSV on Free and to CSV, PDF, Excel, Google and Evernote on Pro. The honest friction points are structural, not cosmetic. Bank sync — described on the pricing page as syncing bank accounts, credit cards and other financial accounts — sits in Medici only; the same page states a list of banks is published rather than every bank being supported, so check that list before you pay for sync. Which accounts you can connect therefore depends on Toshl's third-party financial institutions, not on your bank alone. Free caps you at 2 financial accounts and 2 budgets; Pro lifts both to unlimited and adds the planning graphs, receipt photos, locations and app lock. Every public user request visible on the homepage points the same direction: one January 2020 App Store reviewer asks for payables/instalment-debt handling, a December 2019 Google Play reviewer asks for two or more accounts to be linked for joint couple/group spending, and a December 2019 Google Play reviewer asks for stocks and forex tracking. Those three requests are exactly what Toshl does not do. So where does it fit? Individuals and multi-currency households tracking their own cards and cash across several accounts, especially those who want a picture rather than a ledger, and especially manual-entry users who will not connect a bank at all — Toshl's own trial flow lets you run Pro without sync. Where it doesn't fit: investment, stock, crypto or forex portfolios; team or small-business expense reporting and invoicing; anyone who wants bill pay or other direct banking actions inside the app; households needing joint or shared-account tracking with
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Real-world workflow fit
Concrete scenarios for the personas Toshl Finance actually fits — and what changes day-one when you adopt it.
You keep two cards and some cash and refuse to connect a bank. You tap each expense in on mobile — the homepage's four-tap entry — check the Left to Spend indicator against how much of the month has gone, and look at the category breakdown at month end to see which category ran over.
Outcome: A five-minute-a-day habit inside the 2-account, 2-budget Free cap, with the river flow and Left to Spend views showing where the money went.
You move from Free to Pro to lift the 2-account and 2-budget caps, then set up repeating transfers between a spending account and a savings account, turn on reminders for upcoming entries, attach receipt photos to larger purchases and open the planning graphs to project next month's balance.
Outcome: Unlimited accounts and budgets with planning graphs, repeating transactions, reminders, receipt photos, locations and app lock — still manual entry, no bank connection.
You check your own bank against Toshl's published list of banks available for sync, subscribe to Medici, connect your bank account and credit card, and let transactions import automatically while you review the locations map to see which stores and restaurants are absorbing the month.
Outcome: Automatic sync across bank accounts and credit cards, with the river flow and locations map doing the sense-making rather than manual entry.
Use Cases
- Log daily expenses in about five minutes a day with four-tap manual entry on mobile.
- Connect bank accounts, credit cards and other financial accounts on Medici so transactions import automatically.
- Build monthly and rollover budgets and watch the Left to Spend figure against the portion of the month already gone.
- Study the river flow view to see how money moves between accounts and where it leaves.
- Break spending down by category and tag to find the categories running over.
- Review the locations map to see which stores, restaurants or bars you spend most at.
- Track spending in several currencies and switch your main currency without losing historic entries — relevant for Bulgaria's BGN-to-EUR move on 1 January 2026.
- Import years of history from an old tracker via CSV, OFX, QFX, TSV, TAB, XLS, TXT or QIF, then export to Excel or Google Sheets.
Limitations
- Toshl Finance is a personal finance tracker, not accounting software.
- The Free plan caps you at 2 financial accounts and 2 budgets, and automatic bank sync applies only to the Medici plan — Pro and Free are manual-entry and file-import plans.
- Which banks can be synced depends on the third-party financial institutions Toshl works with, and Toshl publishes a list of banks available for sync rather than promising every bank.
- There is no investment, stock, crypto or forex tracking, no built-in bill pay, and nothing designed for team expense reporting or invoicing; Toshl users have asked publicly for shared/joint account tracking and for handling instalment or payable debt.
- Toshl publishes mobile app tutorials, web app tutorials and a support section rather than a printed manual, and a December 2019 Google Play reviewer notes there is a learning curve at the start.
as of 2026-10-13
Verification history
We have re-verified Toshl Finance 9 times since . Each pass re-reads the vendor's own pages and re-checks every listed field against that evidence; passes where nothing had changed are marked as such.
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-checked, vendor evidence unchanged
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-checked, vendor evidence unchanged
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
Showing the 6 most recent of 9 verification passes.
Free to cite with attribution — this page re-verifies continuously.
12-month cost
Project the real annual outlay, including the implied monthly cost when only an annual tier is published.
Vendor list price only. Add-on usage, seat overages, and contract minimums are surfaced under Hidden costs & gotchas.
Plans compared
For each published Toshl Finance tier: who it actually fits, and what it adds vs. the previous tier. Cross-reference the cost calculator above for projected annual outlay.
Toshl Free
$0/mo
Ideal for
A single person testing whether manual four-tap expense entry sticks, with one or two cards and a cash pot to track.
What this tier adds
Starting tier: 2 financial accounts, 2 budgets, CSV export, 8-format import and quick manual entry.
Toshl Pro
Custom
Ideal for
A manual-entry individual or household that has outgrown 2 accounts and wants the visual layer without connecting a bank.
What this tier adds
Unlimited accounts and budgets, plus planning graphs, receipt photos, locations, repeating transactions, reminders, wider export (PDF, Excel, Google, Evernote) and fingerprint/passcode app lock.
Toshl Medici
Custom
Ideal for
A user with several bank and credit-card accounts who wants transactions to arrive on their own and will verify their bank on Toshl's sync list first.
What this tier adds
Adds automatic sync of bank accounts, credit cards and other financial accounts on top of everything in Pro.
Where the pricing makes sense
The company stage and team size where Toshl Finance's pricing actually pencils out — and where peers do it cheaper.
Toshl's Free tier is a genuine test bed at 2 accounts and 2 budgets, Pro suits a manual-entry individual or household that wants unlimited accounts, budgets and planning graphs, and Medici is the tier to price against YNAB and Monarch Money if automatic bank sync is the feature you actually need — compare all three on the sync tier before you commit, since Toshl's sync lives only in Medici.
Setup time & first value
How long it actually takes to get something useful out of Toshl Finance — broken out by persona, not the marketing-page minute.
Free manual tracking is effectively same-day: create an account, add your first two financial accounts and tap a few expenses. Pro adds repeating transactions, reminders and budgets once you've decided how to categorise spend — plan an evening. Medici takes longer because you have to confirm your bank is on Toshl's published sync list and then link each account; a December 2019 Google Play
Switching to or from Toshl Finance
How to bring data in from common predecessors and how to get it back out — written for the switcher, not the buyer.
- →From a spreadsheet: import your history via CSV, XLS or TSV in the web app, then rebuild categories and tags inside Toshl.
- →From MoneyManager EX: import an exported CSV, OFX or QFX file, then re-create accounts and budgets in Toshl.
- →From YNAB or another tracker: export CSV, import in the web app, and decide whether to run manual entry on Pro or pay for Medici bank sync.
- →From cash-only tracking: start on Free with 2 financial accounts and 2 budgets and add expenses by four-tap entry.
- ↗To a spreadsheet: export CSV on any tier, or CSV, PDF, Excel, Google or Evernote on Pro and Medici.
- ↗To YNAB or Monarch Money: export CSV, then rebuild budget categories in the destination tool — note neither of Toshl's file exports carries over Toshl's river flow views.
- ↗To an accountant or bookkeeping tool: export CSV, PDF or Excel from Pro and hand the file over; Toshl itself is not accounting software.
Integrations
Resources & Guides
Tutorials & Learning
Toshl Finance Finance Management Honest Review - Watch Before Using
Smart format
Toshl Finance - Surfing Your Money Flows
Toshl
Toshl Financeの正直なレビュー：このパーソナルファイナンスマネージャーとの私の経験
How Master
YouTube returned 6 videos for “Toshl Finance”, and we withheld 2: 2 did not mention Toshl Finance. Showing the 4 we can prove are about Toshl Finance.
Official links
Tools that pair well with Toshl Finance
Common stack mates teams adopt alongside Toshl Finance, with the specific reason each pairing earns its keep.
HomeBudget with Sync
Manual-entry cash flow and investment tracking for iOS, with flexible pay-cycle budgeting and cloud sync across iPhone, iPad, and desktop.
Hisabi
Open-source, self-hosted personal finance app that turns your bank SMS alerts into automatic expense tracking.
Money Manager Expense & Budget
Free, ad-free manual expense tracker for Android and iOS with double-entry booking and receipt photos.
Featured Head-to-Head Comparisons
Toshl Finance vs Cryptohopper
If your priority is automated crypto trading with social copy features and AI integration, Cryptohopper is the clear choice despite its higher cost. If you need a straightforward personal finance tracker for your daily expenses and budgets, Toshl Finance offers a generous free tier and affordable paid plans. These tools serve completely different needs, so your decision hinges on whether you want to grow your crypto portfolio or manage your everyday spending.
Toshl Finance vs Bitsgap
Toshl and Bitsgap serve entirely different needs: Toshl is for personal finance tracking with manual or synced bank accounts, while Bitsgap is for automated crypto trading across exchanges. Choose Toshl if you want to manage budgets and spending; choose Bitsgap if you want to run crypto bots without manual trading.
Toshl Finance vs Transfix
For a freight brokerage aiming to boost margins with AI-driven pricing, Transfix is a specialized TMS that delivers clear ROI through custom cost models and RFP automation. For personal finance, Toshl Finance offers a clean budgeting experience with optional bank sync, but its limitations (manual entry on free tier, no investment tracking) make it best for users focused on expense tracking rather than comprehensive wealth management. Choose Transfix for business logistics; pick Toshl for personal budgeting.
Alternatives to Toshl Finance
View all
HomeBudget with Sync
Manual-entry cash flow and investment tracking for iOS, with flexible pay-cycle budgeting and cloud sync across iPhone, iPad, and desktop.
Hisabi
Open-source, self-hosted personal finance app that turns your bank SMS alerts into automatic expense tracking.
Money Manager Expense & Budget
Free, ad-free manual expense tracker for Android and iOS with double-entry booking and receipt photos.
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