Кубыш: сбережения и подписки

Stop doing the maths in your head. Enter the price - Kubysh tells you whether you can afford it today and what happens to your goals. Budget from payday to payday. Free.

Kubysh works out how much you can safely spend before your next payday, and gets you to your goal without complicated spreadsheets.

Answer a few questions and get a ready plan: how much to set aside from each paycheck, and when your goal becomes real.

Please note: the interface and the AI assistant are in Russian, and deposit offers cover Russian banks. The app was previously called «Кубышка» (Kubyshka) - only the name has changed.

CAN I AFFORD THIS? The question most people answer in their head or in a spreadsheet. Enter an amount and get an answer based on your actual money. • A small purchase answers about today's budget and does not lecture you about your holiday fund • A large one honestly shows how far your goals move, and offers a safe alternative: what to postpone or trim • The answer is calculated on your phone instantly, with no network wait. AI is used only when you tap for it

AI MONEY ASSISTANT Ask in plain language and get one concrete answer about your money, not generic advice. • «Can I afford this purchase?» - yes or no, under what condition, and how it shifts your goals • «How much can I spend before payday?» - a number for today • It never suggests a loan or spending your emergency fund without warning you about the risk

WHAT ELSE KUBYSH DOES • Budget from payday to payday - plan around how money actually arrives, not calendar months • Daily limit - always see how much you can spend today and stay on plan • Expenses from a screenshot - show a bank statement screenshot or a photo of a self-checkout screen, and Kubysh reads the amounts and sorts them into categories • Everything recognised is shown for review first - nothing is recorded behind your back

• Goals with a forecast - enter an amount and a deadline, and the app works out the contribution per paycheck • Several goals at once - see what is on track, what is not, and why • Emergency fund - a separate reserve with an honest forecast • All savings as one sum - keep the money in one deposit at the best rate while the app remembers what is earmarked for what • Period pulse - one glance at spending pace, buffer and goal progress

WHY IT WORKS Most apps expect you to keep a budget by hand, and a spreadsheet expects you to invent the formulas and recalculate the consequences of every purchase yourself. Kubysh reads the bank screenshot and proposes the plan itself - you just check and confirm. If there is less on your card than the planned spending, it trims flexible categories itself instead of showing you a red minus.

PRIVACY • No sign-up - just open it and use it • Free, no subscriptions and no hidden purchases • Bank screenshots are recognised on the device • Financial data is stored on the device; backup sync is anonymised • For AI answers, an anonymised summary of your plan is sent to our server and to a language model - without your name or account numbers • No ads, no sharing your data with third parties

Kubysh exists so that you feel in control and know your goal is reachable.