Toshl Finance
Track all your cards, bank accounts, and cash in one place. Expenses made easy.
Toshl Finance is a polished, easy-to-use expense tracker suitable for both manual entry enthusiasts and those who prefer automatic bank syncing. Its visual design and customizability make budgeting fun, though automatic sync is locked behind the priciest plan. For individuals seeking a simple yet powerful personal finance tool, Toshl is a solid choice.
- Individuals who want to track spending across multiple accounts manually
- People looking for automatic bank sync without using complex software
- Budgeters who need visual cash flow insights and planning graphs
- Users who export data to Evernote or Google Sheets for further analysis
- Users who require investment portfolio tracking
- People needing free automatic bank sync (only Medici paid plan)
- Those who want built-in bill pay or direct banking integration
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In short
Toshl Finance — Track all your cards, bank accounts, and cash in one place. Expenses made easy. Best for Individuals who want to track spending across multiple accounts manually, People looking for automatic bank sync without using complex software, Budgeters who need visual cash flow insights and planning graphs. Free to use.
What's new in Toshl Finance
Checked 3 days agoAcross the latest 1 update: 1 feature update.
What independent users actually report about Toshl Finance
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.
30 mentions across 4 sources (YouTube, Product Hunt, App Store, Bluesky).
- +Simple and intuitive UX praised even by long-time users.
- +Multi-currency support with historical exchange rates works well.
- +Visual river flow cash flow is engaging and insightful.
- +Extensive import and export options (CSV, OFX, QFX, etc.).
- +Customizable budgets with rollover and left-to-spend indicators.
- −No native iPad app; web browser on iPad is a workaround.
- −Auto-categorization cannot recategorize past transactions.
- −Lacks dynamic pivot tables for comparing categories.
- −Bank sync only on most expensive Medici plan.
- −Free tier limited to manual entry and two accounts.
- • No free trial after 30 days; bank sync requires Medici tier.
- • Some users report missing advertised bank connections.
Viability Score
How likely is Toshl Finance to still be operational in 12 months? Based on 4 signals — momentum (how recently it shipped), wrapper dependency, revenue model, and web presence.
Last calculated: July 2026
How we score →Key Features
- Manual expense/income entry via mobile and web
- Automatic bank account syncing (Medici plan)
- Multi-currency support with historical exchange rates
- Budget creation with rollover and left-to-spend indicator
- Visual cash flow (River flow) and monthly overview
- Spending breakdown by category and tag
- Location-based spending map
- Repeating transactions and transfer reminders
- Receipt photo attachment (up to 4 per entry)
- Export data to CSV, PDF, Excel, Google Sheets, Evernote
- Import from CSV, OFX, QFX, QIF, TSV, XLS, TXT
- Planning graphs for future projection and past analysis
- Fingerprint/PIN lock for mobile app
- Multiple financial accounts management
- Net worth tracking over time
About Toshl Finance
Toshl Finance is a personal finance, budget, and expense tracker used by over 2 million people. It lets you connect financial accounts for automatic sync or enter expenses manually via slick mobile and web apps. The app provides real-time cash flow views, spending breakdowns by category/tag, and location-based spending maps. Budgeting features include rollover budgets, left-to-spend indicators, and savings goals. Toshl comes in three tiers: Free (2 accounts and budgets, manual entry only), Pro (unlimited accounts/budgets, repeating entries, reminders, planning graphs, receipt photos), and Medici (adds automatic bank sync with supported institutions). The free 30-day trial covers all features, and you can cancel anytime. What makes Toshl different is its balance of simplicity and depth. The interface is highly visual with a river flow metaphor, yet it offers powerful exports (CSV, PDF, Excel, Google, Evernote) and import formats (CSV, OFX, QFX, QIF, etc.). Multi-currency support is native, and the app recently added guidance for Bulgaria's 2026 euro conversion. It's ideal for individuals who want either manual entry or bank sync, with responsive developers who actively incorporate user feedback. Toshl has earned praise from The New York Times and BBC, and won The Europa Award for Best Consumer App. It's available on Android, iOS, and web, with strong privacy protections and security (fingerprint/PIN lock on mobile).
Behind the Verdict
Toshl does one thing well: it makes expense tracking painless. The river flow visualization is a genuine standout—seeing where money actually goes, not just a bar chart, changes behavior. For manual-entry users, the Pro tier is incredible value: unlimited accounts, budgets, repeating transactions, and planning graphs for a relatively small annual fee. The Medici tier, with automatic bank sync, is convenient but only worthwhile if your bank is supported; check the list first. Compared to YNAB, Toshl is less prescriptive (no envelope budgeting) but more flexible in categorizing and visualizing. Where it bites: no investment tracking, no bill pay, and the free tier is very limited (2 accounts/budgets, no auto-sync). Also, the interface, while clean, can feel dated compared to newer apps like Lunch Money. We'd pick Toshl for someone who wants a middle ground—deeper than Mint, simpler than YNAB—and doesn't mind paying for premium features. The developers are responsive, which is rare.
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Use Cases
- Track daily expenses manually in under 5 minutes a day
- Connect bank accounts for automatic transaction import
- Create monthly budgets and monitor left-to-spend in real time
- Visualize cash flow with the river flow diagram to spot spending leaks
- Export categorized spending to Evernote or Google Sheets for deeper analysis
- Plan future income and expenses using planning graphs
Limitations
- The free plan is limited to 2 accounts and 2 budgets, and no automatic bank sync.
- Even on paid plans, bank sync depends on third-party availability and may not cover all financial institutions.
- The app does not support investment tracking or built-in bill payment.
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.
Integrations
Resources & Guides
- Resourcetoshl.com
Mobile App Tutorials · Toshl Finance
Helpful link from toshl.com
- Resourcetoshl.com
Web App Tutorials · Toshl Finance
Helpful link from toshl.com
- Resourcetoshl.com
Faq · Toshl Finance
Helpful link from toshl.com
- Resourcetoshl.com
Importing · Toshl Finance
Helpful link from toshl.com
- Resourcetoshl.com
Adding Entries · Toshl Finance
Helpful link from toshl.com
- Resourcetoshl.com
Bank Connections · Toshl Finance
Helpful link from toshl.com
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