Cards, loans, statements and your salary cycle in one ledger. Qirsh leads with the number you actually decide on — never a total you have to work out first.
Free today — no payment card needed and no paid tier.
Amber never appears alone. It means due within fourteen days, and it always tells you how many. Figures here are illustrative.
Three things that are true of Qirsh today, and one promise we make to you.
Qirsh never connects to your bank. The only financial data it holds is what you type in yourself, and the figures it works out from it.
We never sell your data or use it for ads, and there are no ads anywhere in Qirsh.
Your name and email are encrypted in our database, and your password is stored one-way, so no one can recover it, including us.
We never look at your individual entries unless you ask us to in writing, or the law requires it.
It sets out exactly what is encrypted, and what is not.
These are the parts most apps round off — and the parts that decide what you actually pay.
The usual rule: clear last statement in full by its due date and this cycle’s new purchases are charged no interest. Carry any of it and interest, at the rate you set for the card, is charged on the average daily balance — and booked into your ledger as a dated expense, not just a label, so your balance moves with it.
Put a purchase on installments and your available credit drops by the full remaining principal straight away, so utilisation stays honest — while the statement asks only for the installment that is actually due. Pay the statement and the installments it billed are settled.
A loan reads as payoff progress and how many payments stand between you and done — not a growing debt total. Preview an extra payment before you make it, and see interest saved measured against the contract you originally signed.
The window closes just before your next salary, not at month-end. Spendable counts your chequing accounts only — never savings or unused credit — and each card is projected the way you actually pay it: in full, the minimum, a percentage or a fixed amount.
Move money between your own accounts and it is recorded as one movement, not a withdrawal here and an unexplained deposit there. Typed 1,000 instead of 100? Reverse it — both halves go back, and the installments that payment settled are un-settled.
Overdue, past-due and defaulted are worked out the moment they are read, from your due dates and what you have paid. Nothing waits for a nightly job to notice you are late.
Six states, six badges you can tell apart without reading the colour.
The thing this app models unusually carefully — so here is one, whole.
Figures are illustrative. Your statement opens and closes on its own, and whatever you don’t clear is folded into the next one — marked carried forward, so that the same debt isn’t shown as owed twice.
There is no bank login, no Plaid and no account linking — which also means there is no automatic import. You add your accounts and entries yourself. That is the trade: nothing of yours is handed to a third-party aggregator, and in exchange the typing is on you.
It also doesn’t convert currencies. Everything adds up in one main currency, chosen from fifteen: a purchase made in another currency keeps the merchant’s amount beside what your bank charged you in your main currency, and a prepaid travel card in another currency gets its own currency pocket, valued at what you paid for it. It never looks up an exchange rate, and nothing is converted at a market rate.
Setup asks for an account, an opening balance and your payday — enough for the runway to work on the first day. You can add loans and installment plans you are already partway through.