Stashly: Financial Guardian

BTech Birmingham

In-app purchases

About this app

Stashly is a private net-worth tracker. Every account, asset and debt in one place — encrypted on your phone, with no bank logins, no cloud account and no tracking.

WHY IT IS DIFFERENT
You never connect a bank. Nothing is uploaded, because there is no server to upload it to. Your data is encrypted on the device with a key held in the phone's own secure hardware, and the only copy that ever leaves is a backup file you export yourself, protected by your own password.

EVERYTHING IN ONE PICTURE
Group your money by provider — a bank, a broker, a pension fund, or the safe in your wardrobe — and by type: Current Account, Saving, Investment, Crypto, Pension, Credit Card, Loan, Cash, E-Wallet, Asset, Other. Debts carry negative balances and reduce your net worth, so the number you see is the real one. Asset accounts are tracked by quantity and unit price, which is how you follow grams of gold, square metres of property or units of a fund without pretending to be a trading app.

WHAT IT TELLS YOU
- Net worth today, and how it moved month by month
- Return on what you put in — profit separated from deposits, not mixed into one number
- Liquid vs. locked: what you could actually reach this week
- Composition by group and provider, with a trend for each
- Your year in review, with a summary card that is free on every tier

BUILT FOR PEOPLE WHO DO NOT WANT AN ACCOUNT
- App lock with PIN, with biometrics on top if your phone has them
- Privacy mode blurs every balance when someone is looking over your shoulder
- Encrypted export and import — your backup, your password, your file
- PDF summary when you need it on paper
- Nine languages, thirteen currencies, light and dark

HOUSEHOLDS AND MULTIPLE CURRENCIES
Two people can see a combined picture without a server: the devices pair directly and exchange an encrypted copy. Households are part of ULTIMATE, and each person needs their own ULTIMATE subscription — there is no shared or family plan, because there is no account to share. Holding money in more than one currency also needs ULTIMATE: exchange rates come from the European Central Bank's daily reference rates, and every historical month converts at that month's rate instead of today's, so last year's numbers stop moving when the market does.

WHAT STASHLY DOES NOT DO
- It does not connect to your bank — on purpose. No bank password, no data broker.
- It does not sort your spending into categories, and it is not a budget planner.
- It does not download share or crypto prices automatically. You enter the unit price.
- There is no cloud account. Your data stays on the device; the backup is your own encrypted file.

Keeping it current takes a few minutes a month, not daily bookkeeping. That is the price of not handing over your bank login — and for a lot of people it is the better trade.

FREE, PRO AND ULTIMATE
Free covers unlimited providers, accounts and transactions, your total net worth, the group and provider cards, transaction search, encrypted backup, app lock and every language. PRO adds the liquid-balance view, detailed charts and per-asset drill-down, transaction filtering, recurring transactions, privacy mode and PDF export. ULTIMATE adds households, multiple currencies, goals, target allocation and drift, cash-flow forecasts with what-if scenarios, the analysis export, a twelve-month trend window and the full month-by-month year in review.

SUBSCRIPTION
ULTIMATE starts with a 3-month free trial; PRO has no free period. Both are monthly or yearly subscriptions. Prices are shown in the app before you buy. The subscription renews automatically unless you turn it off at least 24 hours before the period ends; you can manage or cancel it any time in your store account.
Privacy policy: https://btech-birmingham.web.app/stashly/privacy
Terms of use: https://btech-birmingham.web.app/stashly/terms

What’s new

Stashly 1.3 adds a third tier: ULTIMATE.

• Household: two phones pair directly, with no server. Each person needs their own ULTIMATE.
• Multiple currencies: daily European Central Bank rates, and every past month converts at that month's rate.
• Goals, Target allocation and Forecast with what-if scenarios.
• Your year: a month-by-month review.
• A real PDF report — a laid-out document, not a screenshot.
• A short primer on first launch.