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 — there is no card, no checkout and no paid tier in the product.
Amber never appears alone. It means due within fourteen days, and it always tells you how many. Figures here are illustrative.
These are the parts most apps round off — and the parts that decide what you actually pay.
Clear last statement on time and this one charges zero interest. Miss it and interest is charged on the average daily balance — and booked into your ledger as a real dated expense, not 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 — and a statement that has already billed you is frozen against edits.
Five states, five 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 the same debt is never 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 works in one currency at a time. Pick yours from fifteen and every account moves to it, shown with that currency’s own decimal places — but nothing is converted at an exchange rate, so it is one currency for everything you track, not several side by side.
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.