Toshl Finance
Track expenses, budget, and visualize cash flow with manual entry or automatic bank sync.
Toshl is a solid choice for manual-entry budgeters who value visualizations like river flow and planning graphs. The free tier is generous, but automatic bank sync sits behind the pricey Medici plan. If you need sync, compare against alternatives; otherwise, Pro offers great value.
Verified 2d ago · liveness 78/100 · cite: rightaichoice.com/tools/toshl-finance
- Individuals tracking personal spending across multiple accounts
- Budgeters who want visual cash flow and planning graphs
- Manual-entry users who prefer tapping in expenses on the go
- People who need multi-currency support with historical rates
- Investment portfolio tracking (stocks, crypto, forex, etc.)
- Automatic bank sync on Free or Pro plans (only Medici)
- Built-in bill pay or direct banking actions
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Skip Toshl if you need automatic bank sync (only on Medici), investment tracking, or shared multi-user finances without paying a premium.
Automatic bank sync is locked to Medici, not available on Free or Pro, so you must upgrade to the most expensive tier if you want it.
Toshl's Free tier is generous for manual-entry users, but automatic bank sync is paid at Medici — check if cheaper options like YNAB or Monarch fit your budget. Pro is affordable for manual-entry enthusiasts.
In short
Toshl Finance — Track expenses, budget, and visualize cash flow with manual entry or automatic bank sync. Best for Individuals tracking personal spending across multiple accounts, Budgeters who want visual cash flow and planning graphs, Manual-entry users who prefer tapping in expenses on the go. Free to use.
What's new in Toshl Finance
Checked 7 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.
- +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: September 2026
How we score →Key Features
- Manual expense and income entry (4-tap quick entry)
- Automatic bank sync for bank accounts, credit cards, and other financial accounts
- Multi-currency support with historical exchange rates
- Rollover budgets with left-to-spend indicator
- River flow cash flow visualization
- Planning graphs for future projection
- Location-based spending map
- Repeating transactions (expenses, incomes, transfers)
- Reminders for upcoming entries
- Receipt photos up to 4 per entry
- Fingerprint/PIN lock for mobile app
- Multiple financial accounts (unlimited on paid plans)
- Net worth tracking over time
- Import from files (CSV, OFX, QFX, TSV, TAB, XLS, TXT, QIF)
- Export to CSV, PDF, Excel, Google Sheets, Evernote
About Toshl Finance
Toshl Finance is a cross-platform personal finance tracker for Android, iOS, and the web that helps you understand where your money goes. It's built for individuals who want to budget and track expenses without the complexity of full accounting software. Whether you prefer tapping in entries manually or linking your bank accounts for automatic sync, Toshl offers a visual, approachable interface with features like river flow cash flow visualization, planning graphs, and location-based spending maps. With over 2 million users, it balances simplicity with depth. The app supports multiple currencies with historical exchange rates, allowing you to track spending in different currencies and convert at accurate rates. Budgeting is a core strength: you can create rollover budgets with a left-to-spend indicator that compares your spending against the time already passed in the month. The unique river flow view shows how money moves through your accounts, while planning graphs help you project future balances and analyze past trends. You can also add receipts (up to 4 per entry), set reminders for upcoming bills, and use repeating transactions for regular payments. Toshl offers three tiers: Free, Pro, and Medici. The Free plan includes manual entry, 2 accounts and 2 budgets, and file import. Pro adds unlimited accounts and budgets, repeating transactions, reminders, receipt photos, planning graphs, and export to CSV, PDF, Excel, Google Sheets, and Evernote. Medici goes further with automatic bank sync, pulling transactions from your bank accounts, credit cards, and other financial accounts. A 30-day free trial lets you test Pro or Medici before paying. Toshl also supports importing data from 8 file formats (CSV, OFX, QFX, TSV, TAB, XLS, TXT, QIF) and exporting to various formats. The developer team is responsive to user feedback, evident in the app's evolution. For those who want a friendly but capable finance tracker, Toshl is a solid option—especially if you're willing
Behind the Verdict
Toshl has earned its reputation among manual-entry enthusiasts. The 4-tap quick entry is genuinely fast, and the river flow visualization gives a clear picture of how money moves through your accounts. If you're the type who likes to log every coffee and receipt, Toshl's mobile apps make it painless. However, where Toshl stumbles is automatic bank sync. It's locked to the most expensive Medici tier, which may feel steep if you only need sync for a couple of accounts. Some users report that bank connections occasionally break and need re-authentication, so it's not always as hands-off as you'd hope. If you're happy doing manual entry, the Pro tier is the sweet spot—unlimited accounts and budgets for a reasonable price. But if you need bank sync, it's worth comparing Medici's annual cost against other apps like YNAB or Wallet by BudgetBakers, which include sync in their standard plans. A unique quirk: Toshl's pricing page offers 'gear' bundles—one shirt, three pairs of socks, or both—as a playful way to show the cost difference between plans. It's charming but also a reminder that the pricing isn't a flat monthly rate; you choose a period and a 'gear' tier. Multi-currency support is robust, with historical exchange rates. The recent blog post about Bulgaria adopting the euro in 2026 shows Toshl is proactive about handling currency transitions, preserving historical data in original currencies. That kind of attention to detail matters for expats or travelers. Where it bites: no investment tracking, no bill pay, and small businesses needing invoicing or team features will be disappointed. The web app is a plus for desktop entry, but the mobile experience is where the 4-tap entry shines. In practice, I'd recommend Toshl to individuals who want a visual, friendly tool
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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.
Wants to track daily expenses manually on mobile.
Outcome: Uses 4-tap entry and Android widget to log expenses in under 5 minutes a day, sets a monthly budget, and monitors left-to-spend.
Travels across countries and needs to track spending in multiple currencies.
Outcome: Records transactions in local currencies and relies on historical exchange rates for accurate conversion, with a river flow overview of cash flow.
Wants automatic transaction import without manual entry.
Outcome: Subscribes to Medici, connects bank accounts and credit cards, and lets Toshl pull transactions automatically.
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
- Toshl Finance is a personal finance tracking app without an underlying AI model.
- The free plan limits users to 2 financial accounts and 2 budgets, while automatic bank sync is exclusive to the Medici plan.
- Bank sync availability depends on third-party financial institutions.
as of 2026-08-26
Verification history
We have re-verified Toshl Finance 7 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-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-checked, vendor evidence unchanged
Showing the 6 most recent of 7 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.
Free
$0/mo
Ideal for
Solo users who want to manually track expenses with a simple budget and don't need bank sync or advanced features.
What this tier adds
The free starting tier includes 2 accounts, 2 budgets, and basic import/export.
Pro
Contact for pricing
Ideal for
Manual-entry users who need unlimited accounts and budgets, plus repeating transactions and planning graphs.
What this tier adds
Adds unlimited accounts and budgets, repeating transactions, reminders, receipt photos, and advanced export formats.
Medici
Contact for pricing
Ideal for
Users who want automatic bank sync and are willing to pay a premium for automated transaction import.
What this tier adds
Adds automatic bank sync for bank accounts and credit cards, on top of all Pro features.
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 generous for manual-entry users, but automatic bank sync is paid at Medici — check if cheaper options like YNAB or Monarch fit your budget. Pro is affordable for manual-entry enthusiasts.
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.
Manual entry: under 5 minutes for first entry; budget setup ~10 minutes. Bank sync: 15-30 minutes depending on institution. Full Pro trial: 30 days to explore features.
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 MoneyManager EX: Export data to CSV/OFX and import into Toshl's web app using supported file formats.
- →From custom spreadsheet: Convert to CSV and import; may require manual category mapping.
- ↗To YNAB: Export your Toshl data to CSV and format it to YNAB's import template.
- ↗To Excel: Export categorized budgets and expenses as CSV/PDF for analysis.
Integrations
Resources & Guides
Tutorials & Learning
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.
Money Manager Expense & Budget
Free, ad-free manual expense tracker and budget manager for Android and iOS with double-entry booking and receipt photos.
MoneyCoach
Apple-native budget tracker with bank sync, category budgets, and read-only AI for private finance insights.
Hisabi
Open-source personal finance that turns your bank SMS into automatic expense tracking.
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 allMoney Manager Expense & Budget
Free, ad-free manual expense tracker and budget manager for Android and iOS with double-entry booking and receipt photos.
MoneyCoach
Apple-native budget tracker with bank sync, category budgets, and read-only AI for private finance insights.
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