Everything you need to budget, nothing that watches you.
KernelCash turns the files you download from your bank into budgets, analytics and goals, without ever connecting to your bank.
In detail
How each part of KernelCash works.
Budgets
Budgets and buckets
Each budget is split into Income, Expense and Savings buckets, so you can see where your money is planned to go and how each bucket is tracking.
- Income, Expense and Savings buckets
- The next period’s budget is created from the previous one
- Progress for every bucket at a glance
Importing
Upload a file, we handle the rest
Import the OFX or QFX files your bank already offers. KernelCash reads them in the background and creates the institution and accounts from the file.
- OFX and QFX files supported
- Duplicates detected by each transaction’s unique ID
- Changed transactions are updated
- Processed in the background, then the raw file is deleted
Transactions
Every transaction, searchable
Search your transactions, open any one for its details, or add a transaction by hand. You decide which bucket each transaction belongs to.
- Search across your transactions
- Details view for every transaction
- Manual entry when you need it
- You assign transactions to buckets yourself
Analytics
Cashflow and trends
See a cashflow overview and how your income, spending and savings trend over time.
- Cashflow overview
- Income, spending and savings trends
Goals
Goals with rollover
Set weekly, monthly, yearly or custom goals for income, spending or savings. When a goal’s period ends, it can roll over into a new goal for the next one.
- Weekly, monthly, yearly or custom periods
- Goals for income, spending or savings
- Rollover into the next period
Spaces
Budget together in a Space
Spaces let you share budgets with the people you manage money with. Invite members and give them a role.
- Member invites and roles
- Invite unlimited collaborators to a Space at no extra cost
The toolkit
All included in one plan.
Spending buckets
Income, Expense and Savings buckets inside every budget.
Automatic next budget
Each new period’s budget is created from the previous one.
OFX and QFX import
Upload the files your bank already lets you download.
Duplicate detection
Overlapping files are safe. Duplicates are skipped and changes are updated.
Transaction search
Find any transaction, open its details or add one by hand.
Cashflow and trends
Income, spending and savings trends over time.
Goals with rollover
Weekly, monthly or yearly goals that renew for the next period.
Shared Spaces
Invite unlimited collaborators with roles, at no extra cost.
How it works
From your bank’s website to your budget.
Every bank labels it a little differently, but the steps are the same.
Get a file from your bank
Sign in to your bank’s website, open an account’s transaction history and look for a download option. Choose OFX or QFX (sometimes labeled Quicken or Microsoft Money) and a date range.
Upload it to KernelCash
Drop the file into the import area. It is processed in the background, typically within a couple of minutes, and the raw file is deleted afterwards.
Assign and track
New transactions appear in your list. Assign them to buckets, and your budget, analytics and goals update as you go.
Take control of your budget, not your bank login.
Start with a 1-month free trial. Every feature is included from day one.
- 1-month free trial
- No bank login
- Every feature included