AES-256-GCM at rest
Every provider, account and transaction is written to disk as ciphertext. Not hidden, not obfuscated — encrypted.
Private by design
Your whole net worth.
On your phone. Nowhere else.
Stashly brings every account, asset and debt into one encrypted picture — banks, cash, crypto, gold, property, pensions. There is no account to create, no cloud to trust and no bank password to hand over.
- No account
- No cloud
- No bank logins
- No ads
- No trackers
9languages
25currencies
11account groups
0trackers
Security
Protection you can name, not just claim.
"Bank-level security" means nothing without specifics. Here are ours, in full, so you can check them against what the app actually does.
The key lives in hardware
Your encryption key is generated on the device and held in the iOS Keychain or the Android Keystore. It never leaves, and it can never become part of a backup.
A lock, your way
A six-digit PIN, with Face ID or a fingerprint on top if you want one. The PIN is the fallback, so a failed sensor never locks you out of your own records.
A duress PIN
A second PIN opens a separate, decoy dataset in its own encrypted namespace under its own key — for the moment somebody insists you unlock your phone.
Privacy screen and blur
Balances are hidden in the app switcher, screenshots are blocked on Android, and one tap blurs every figure on screen when you are not alone.
A backup you own
Export a password-protected snapshot: PBKDF2-SHA256 at 600,000 iterations, then AES-256-GCM. Lose the password and nobody recovers it — including us. That is the point.
No OS backup, deliberately
Android Auto Backup and device-to-device transfer are switched off. They would restore ciphertext without its hardware-held key: data that looks recovered and cannot be read.
Loud failure, never a silent blank
If storage is evicted or a key goes missing, Stashly tells you which of those happened and what can be done — instead of quietly showing you a zero.
What it does
A tracker that is not spartan.
Privacy-first usually means thin. Scroll through what you actually get.
The whole picture
One number that is actually complete
Current accounts and cash, e-wallets and crypto, pensions and investments, gold by the gram, a flat by the square metre — and the mortgage against it, carried as a negative balance. Eleven account groups, so nothing has to be squeezed into "other".
Beyond the headline
Not just a number — the shape of it
Tap any card for its composition, its trend, its return, and the split between money you could reach this afternoon and money that is locked away for years.
Goals
A target, and the pace you are actually on
Set a figure for your whole net worth or for one category. Stashly works out the pace from your real months — and says it cannot tell yet rather than inventing a date.
Allocation
Where you meant to be, and where you drifted
Say what share each category should hold. See the gap in percentage points, on the same screen as the balances that caused it.
Forecast
A projection built from your own months
Recurring entries you have already committed to, plus what a typical month has looked like, carried 6, 12 or 24 months forward — with a warning if liquidity runs thin.
What if
Try the decision before you make it
Another £350 a month, starting in March. A growth rate you state yourself — the app never assumes one for you. Both lines on one chart, and the month list moves with them.
Year in review
How much you saved, and how much it grew
The one split that answers whether a good year was your discipline or the market. Then every month of it, best and weakest called out.
Multi-currency, done honestly
Hold accounts in 25 currencies. A historical month converts at that month's rate, not today's, so last year stops moving every time the market does — and currency gains count as real return, because they are.
A household, device to device
Pair two phones over a QR code or Bluetooth for a combined household total with a clear "mine" split. The devices talk to each other directly; no server sits in between. Each device needs its own Ultimate subscription.
Entries that keep themselves current
Monthly or weekly recurring rules fill in the salary, the standing order and the pension contribution, so staying up to date does not become a chore.
Reports you can take with you
A PDF summary of where you stand, and a full written analysis of your position — yours to keep, read or hand to an adviser.
Plans
Free is a whole tracker, not a teaser.
Unlimited accounts and transactions, encrypted storage and your own backups cost nothing. The paid tiers add analysis and planning on top — and a locked feature always says it is locked, so you never tap into silence.
Free
A complete tracker, not a trial.
- Unlimited providers, accounts and transactions
- Total net worth with category and provider cards
- Transaction search
- Encrypted backup and restore
- App lock, dark mode, nine languages
- Year-in-review summary
- Six-month trend window
Pro
The comfort layer on top.
- Everything in Free
- Transaction filtering
- Privacy blur for every figure on screen
- Liquid balance view
- Detail charts: composition, trend, return
- Per-asset drill-down with stated-price marks
- Recurring transactions, monthly or weekly
- PDF export
Ultimate
Planning, not just recording.
- Everything in Pro
- Twelve-month trend window
- Multi-currency with historical rates
- Shared household across two devices
- Goals with a real pace
- Target allocation and drift
- Forecast and what-if scenarios
- Written analysis export
- Full year in review
Pricing is shown in the app, in your own currency, before anything is charged.
Before you install
What Stashly does not do.
Every one of these is a consequence of keeping your data on your device. If any of them is a deal-breaker, better to find out here than on day three.
- It does not connect to your bank. That is the design, not a gap — no bank password, no data-harvesting middleman in the path.
- It does not categorise your spending, and it is not a budget planner.
- It does not fetch share or crypto prices. You state the unit price; the app does the rest of the arithmetic. Currency exchange rates are the one exception — they come from the European Central Bank's public reference feed, which is asked for rates and told nothing about you.
- There is no cloud account and no sign-up. Your data stays on the device, and your backup is your own encrypted file.
We cannot see your data.
Nobody can — not even us.
Install it, add one account, and see your own number by the end of the afternoon. No sign-up stands in the way, because there is nothing to sign up to.
Read the privacy policy