Master Your Personal Finances with Precision, Clarity & Zero Clutter
A modern personal finance management system featuring real-time multi-wallet balances, hierarchical categorization, budget tracking, and integrated receipt & PDF attachment view modes.
Four Pillars of Effortless Personal Finance
Engineered to provide a structured, accurate, and fully controlled personal bookkeeping experience.
Multi-Wallet & Smart Balances
Manage cash, bank accounts, e-wallets, and credit cards. Reconcile differences smoothly with smart balance adjustment modes.
Hierarchical Category Trees
Parent and child categories with custom icons and colors. Filtering an upper category automatically includes all its subcategories.
Receipt & PDF Attachments
Attach proof of payment with an interactive image zoom/rotate lightbox or view invoice PDFs embedded directly inside your browser.
Calendar & Budget Controls
Inspect daily cashflow rhythms on an intuitive calendar and track monthly spending limits to prevent overspending.
Consolidate Every Financial Account in One Place
Organize daily cash on hand, bank checking accounts, digital e-wallets, and credit card balances with accurate real-time calculation.
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Supports account types: Physical Cash, Bank Accounts, E-Wallets, and Credit Cards.
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Smart Balance Adjustment: Auto-generates an adjustment transaction (surplus or deficit) without corrupting your initial opening balance.
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Initial Balance Correction: Modify the original opening balance directly if an input typo occurred during wallet setup.
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Inter-wallet transfers with automated deduction for transfer processing fees.
Swift Bookkeeping with Intelligent Multi-Category Filters
Record incomes, expenses, and transfers effortlessly in a clean interface. Find any past record in seconds.
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Three distinct transaction types: Income, Expense, and Transfer.
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Multi-Select Category Filter: Select multiple categories simultaneously with clean chip badges.
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Automatic Subcategory Expansion: Selecting a parent category automatically includes transactions from all its child subcategories.
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Single-row desktop toolbar with zero messy wrapping, and clickable rows directing straight to detail views.
Interactive Attachment View Mode: PDF Documents & Receipt Photos
Keep documentation attached to every transaction. No need to download extra apps or open foreign tabs just to review a receipt or invoice PDF.
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Embedded PDF Viewer: In-card PDF document reader built right into the transaction detail screen.
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Fullscreen Dialog Modal: Read lengthy invoice documents with maximum comfort in an expansive view.
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Interactive Image Lightbox: Click any receipt image to zoom in, zoom out, and rotate.
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Safe & Authorized: Files stream via authenticated API responses without open public links.
Track Daily Cashflows and Prevent Overspending
Gain complete visibility into your daily spending rhythms and ensure your monthly budget targets remain firmly on track.
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Monthly Financial Calendar: Displays positive green income and negative red expense totals on each date.
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Instant Daily Inspection: Click any calendar date to view the transactions for that specific day immediately.
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Category Budgeting: Establish monthly spending thresholds for specific expense categories.
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Visual Progress Indicators: Dynamic progress bars change tone as your spending nears or exceeds the limit.
More Real Capabilities to Complete Your Financial Suite
Far beyond basic bookkeeping, MyCashFolio provides a robust toolset for personal, family, and collaborative finances.
Debts & Receivables
Track loans borrowed or lent out, link contacts and due dates, and monitor installment history until completely resolved.
Recurring & Subscriptions
Automate recurring subscriptions, routine utility bills, or salary entries with future preview schedules and flexible pause or resume states.
Financial Goals & Projections
Plan target milestones with target amounts and dates, lock funds from chosen wallets, and run projection simulations towards completion.
Community Dues & Split Bills
Coordinate recurring group dues or shared commitments, member rosters, individual payment statuses, and target collection stats.
Cashflow Statistics & Reports
Rich analytical breakdowns including visual cashflow trends, categorical expenditure structures, and multi-period transaction reports.
Multi-Workspace Collaboration
Segregate separate financial domains (personal, household, side business), invite members via email, and configure granular roles and permissions.
Robust, Secure, and Lightweight Web Platform
Built on modern web technologies to ensure lasting reliability and top-tier performance.
Centralized Cloud Database
All records reside safely on a centralized server. Never lose your transaction history when switching laptops, phones, or tablets.
Mobile-First Responsiveness
Data tables automatically adapt into structured vertical cards on smartphones (≤ 768px). No frustrating horizontal scrolling.
Encrypted Session & 2FA Security
Encrypted session protection, two-factor authentication (2FA), CSRF defense, and strict workspace separation ensure your financial privacy.
Everything You Need to Know
Clear answers about the real capabilities of MyCashFolio.
Does MyCashFolio require installing an app from the App Store or Google Play?
No installation is required. MyCashFolio is a modern, responsive web application accessible directly through any web browser on desktop, tablet, or smartphone, or can be installed as a PWA directly to your home screen.
How does balance adjustment work when my physical cash differs from the app balance?
MyCashFolio provides two smart modes: "Adjustment Transaction" automatically records the discrepancy as a surplus or deficit transaction without touching your historical opening balance. "Update Opening Balance" directly alters the initial balance if you made a typo when registering the wallet.
What file formats are supported for transaction attachments?
You can attach receipt photos (JPEG, PNG, WebP) with built-in lightbox zoom and rotation, as well as invoice documents in PDF format that can be viewed immediately via the embedded PDF viewer and fullscreen modal.
How does the system handle filtering when I select an upper parent category?
The system performs automatic hierarchy expansion. When filtering by a parent category (e.g., "Food & Drinks"), it automatically includes all transactions logged under its child subcategories (such as "Restaurants", "Groceries", or "Coffee"). You can also select multiple categories using multi-select chips.
Can I track debts, loans, and target savings goals?
Yes, dedicated modules exist for Debts & Loans with due dates and installment tracking, alongside Financial Goals to set savings milestones with projection simulations.
Is my financial data secure and isolated from other users?
Yes, absolutely. The system uses encrypted session authentication, two-factor verification (2FA), CSRF security tokens, and workspace-level tenant isolation. Receipt and document attachments are protected behind authenticated endpoints without open public links.
Take Control of Your Personal Finances Today
Experience complete clarity over wallet balances, categorized expenses, receipts, and monthly budgets now.