A little clarity. A lot more life.

All your money.
In perspective.

Less piecing it together.
More knowing where you stand.

We’re building one place for your spending, income, investments and goals. A clearer picture, starting with your everyday money.

Download for Android Explore Tinward

Android 8.0+ · Early APK available

01 / THE CLEARER PICTUREPERSONAL FINANCE, RECONSIDERED

A look at the vision. Explore the app below.

Android early release

Start with your everyday money.

Download Kosh, the Android app behind Tinward. This early release tracks supported transaction messages and statement imports. The website shows our broader vision; some features and the appearance shown here are still in development.

Download Android APK Release notes & checksum

Version 0.2.0 · Android 8.0+ · Free · Early release

  1. Download the APK on your Android phone and open it. Allow installation from your browser or file manager if Android asks.
  2. Open Kosh. Allow SMS access for supported message tracking, or import a supported bank statement.
  3. Review uncertain transactions and compare totals with your bank records. Coverage and categorisation are still being improved.

Already using Kosh? This release uses a new signing key and cannot update an installation signed with the old key. If Android rejects the update, keep your existing app installed. Uninstalling removes its local data. This download does not migrate data from another installation.

A month, as most of us live it

Your money is everywhere. Your picture of it isn’t.

An account for bills. Another for everyday spending. Investments somewhere else. Each one shows a number. None shows the whole picture.

  1. Income arrives. For a moment, everything feels simple.

  2. Rent leaves one account. Everyday purchases leave another.

  3. You open your bank app. It shows a balance, not a story.

  4. A loan payment is due. Which account was it coming from?

  5. You open the spreadsheet. Last updated: August.

  6. Month-end. Plenty of numbers. Still no clear sense of where you stand.

You’re not bad with money. Your money is just spread across too many places.

See it as one picture

A closer look

One app.
A wider view.

01 The everyday picture

Less checking. More knowing.

Income, spending and account activity, brought into one place. A calmer way to understand the month before getting lost in the details.

Transaction summaries are in the Android app. Available-to-spend planning is in development.

01 / 04

Illustrative USD figures, not customer data. These concepts include planned functionality; the Android app may look different.

TINWARD / HOME
A little more perspective.
Expense tracking

From scattered records to a useful story.

When a supported bank sends a transaction message, Tinward can turn it into a useful record on your phone. Amount, account and purpose, with room to review what it can’t know.

In the app today

Current regional support: Selected Indian message formats from HDFC, Kotak and Slice, plus a general UPI format. Broader coverage is not available yet. Messages Tinward doesn’t recognise are skipped, and a category can be wrong. That’s what the review queue is for.

Explore a supported-format example

How the current parser organises it

Amount
₹642
Direction
Money out
Account
••1234
Paid
Greenleaf Grocers
Category
Food

Filed under Food from the merchant.

Budgets and goals
In development

Know what’s left after life happens.

The balance in your account isn’t all available to spend. Tinward’s planned budget view will set aside bills, repayments and savings goals, so you can see what is genuinely left.

  • Account for bills and loan payments before you spend
  • Plan around your actual income
  • Savings treated as a commitment, not a leftover

This month’s income

$8,500

credited 1 Nov

  • Rent$2,200
  • Loan payment$1,240
  • Bills$616
  • Savings & investing$1,200
  • Food$1,000
  • Transport$350
  • Fun & shopping$600
  • Other$200
  • Not yet spoken for$1,094
Investments
In development

Your investments shouldn’t live in another spreadsheet.

Stocks, funds, retirement accounts, property or savings. The planned wealth view gives each a place. Add a holding, update its value when you check it, and keep the bigger picture close.

Manual by design. The planned tracker uses values you enter. Broker connections and live prices are not implemented. You decide what belongs in your picture.

Everything you’ve recorded

$145,750

Mutual funds

$32,500

Updated 5 days ago

Track units or invested value; update the current value monthly.

Values you’ve entered

Net worth
In development

Everything you own, minus what you owe.

One number for where you stand today. And month after month, a quiet answer to the question underneath all the others: am I moving in the right direction?

The planned view brings recorded account balances, asset values and liabilities together. A snapshot, only as current as your last update.

How it works

Four small steps.

  1. Step 1: Download the Android app

    Get the early Kosh APK from the download section. You need Android 8.0 or newer. Read the existing-user warning before attempting an update.

  2. Step 2: Let Tinward read, or import

    Import a supported statement, allow supported message access, or add a transaction manually. Format coverage is limited; not every bank or region is supported.

  3. Step 3: Settle the few it’s unsure about

    Tinward files what it recognises. Uncertain purposes and categories need review. Choose a category once and it sticks for that merchant.

  4. Step 4: Watch the month make sense

    Follow your spending as it happens. Planning, investments and net worth join as those features arrive.

Privacy and trust

Your money stays on your phone.

Tinward is local-first, and you don’t have to take our word for it: the app is open source, so every claim here points at real code.

Read the permissions on GitHub (opens in a new tab)
It stays on your phone
Your transactions, the original message text and the categories you’ve chosen live in a database on your device.
It can’t phone home
The current app doesn’t ask for internet permission, and its code has no finance-data upload and no analytics.
No account to make
You don’t sign up, and there’s no Tinward server holding your money data.
No copy in device backups
Android’s app backup is switched off for Tinward, so the database isn’t copied into backups.

The two permissions, and why

  • READ_SMS

    Lets Tinward read your existing bank messages once, to build your history.

  • RECEIVE_SMS

    Lets Tinward notice new transaction messages as they arrive.

Statement import uses Android’s file picker and needs no SMS access at all.

What we haven’t built yet

  • Tinward doesn’t encrypt its own database yet. Your phone’s screen lock and device encryption are still doing that work.
  • Export, backup, restore and in-app deletion aren’t built. Uninstalling Tinward removes its local data.
  • Message parsing is still maturing. Check totals against your bank statement until it’s proven.

The app downloads Manrope through Google Play services, with a system-font fallback. That’s a font request, not financial data.

A simple starting point

Clarity first.
The rest, in time.

Early access is free. We’re considering two plans, with room to grow when you need it.

Proposed plans. Features and regional prices are not final. No payment is taken on this website.

THE EVERYDAY ESSENTIALS

Tinward Free

Planned free tier

  • Spending and income tracking
  • Transaction history
  • Categories you can correct
  • Monthly summaries
Join early access

THE WIDER VIEW

Tinward Plus

Price to be announced

  • Budgets and financial goals
  • Manual investment tracking
  • Assets and liabilities
  • Net-worth history
Join early access
Early access

A clearer picture is taking shape.

Email signup is temporarily unavailable on this preview. We aren’t collecting email addresses or sending invitations here yet. You can download the early Android app today.

Get the Android APK
FAQ

Straight answers.

Including the unglamorous ones: what's built, what's not, and what we don't know yet.

What is Tinward?

A personal finance app being built to bring spending, income and your wider financial picture together. The Android app currently focuses on transactions and categories. Budgets, manual investment tracking and net worth are in development.

Can I use it where I live?

The Android APK is available, but this preview does not accept email signups. Automatic message parsing currently supports selected Indian formats, including HDFC, Kotak, Slice and general UPI messages. Statement imports also require supported formats. Coverage is not worldwide.

Is Tinward available now?

An early Android APK is available in the download section. It installs as Kosh, the app behind Tinward, and requires Android 8.0 or newer. The website includes planned features and a design vision that are not all in this build. Read the installation and existing-user notes before downloading.

What will it cost?

Joining early access is free. We are considering a free plan and an optional Plus plan, but features and prices are not final. Regional prices will be published when they are configured. There is no checkout and no payment is requested.

How does automatic tracking work?

With permission, the Android app reads supported transaction messages locally and extracts the amount, date and account. Matching debit and credit references help identify transfers. Some messages are not recognised and some purposes need review, so verify totals against bank records. It does not connect to banks worldwide.

What stays on my device?

In the current Android app, transactions, original messages and learned categories live in a local database. The app does not request internet permission and has no financial-data upload or analytics integration. This website separately collects the information you enter in the early-access form.

Can I track investments and net worth?

These are planned capabilities. The intended approach is manual: record stocks, funds, retirement accounts and other assets, then update their values yourself. Broker connections and live market prices are not implemented.

Which devices will it support?

The current project is built for Android 8.0 and newer. There is no iOS release or web finance dashboard. The interactive screens here show synthetic examples, including planned functionality.

How will my invitation arrive?

Email signup and invitations are temporarily unavailable on this static preview. The Android APK can be downloaded without joining a list.