Everything you need to know about using Malyna.
Set up your account and start tracking your finances in minutes.
Your financial overview at a glance.
Track your total net worth over time with an interactive chart. Use the time period selector (1M, 3M, 6M, ALL) to zoom in or out. Filter by specific account using the dropdown. Each account type is color-coded for easy identification.
See your income, spending, and savings for the current month at a glance. The savings rate shows what percentage of your income you kept. The progress bar changes color based on your performance — green when you're saving well, amber when spending is high.
An interactive donut chart shows where your money goes by category. Tap any slice to see subcategories. The category list below shows exact amounts and percentages.
Auto-generated spending comparisons vs. the previous month. See which categories went up or down and by how much.
A 14-day forecast of upcoming expenses and income based on your recurring rules. Never be surprised by a subscription renewal or bill again.
Manage all your financial accounts in one place.
Accounts are automatically grouped by category: Investments, Cash & Savings, Debts, and Mortgage. Each group shows its subtotal.
Each account has a sparkline chart showing balance changes over time. Switch between 1W, 1M, 3M, YTD, and 1Y time ranges.
For investment accounts, track individual holdings with symbol search, automatic price fetching, and quantity tracking. See your portfolio performance broken down by holding.
Use envelope budgeting within any savings account. Create sub-allocations (like "Vacation Fund" or "Emergency Fund") and transfer between buckets without moving real money. Link a bucket to a goal to sync progress automatically.
At the top of the Accounts page, see your total assets, total debts, and net worth. Toggle whether mortgage is included in the calculation.
Track every purchase with powerful categorization and analysis.
Navigate by month with arrow buttons, or use presets like Last Month, Year to Date, or Last Year. You can also pick a custom date range.
See your total spending, daily average, and how it compares to the previous period — all at the top of the page.
A donut chart breaks down spending by category. Click a category to drill down into subcategories using breadcrumb navigation.
A line chart shows your spending pattern over the selected period. A lighter overlay shows the previous period for easy comparison.
Toggle between category view (grouped by category) and date view (chronological). Use the search bar to find specific transactions, or filter by subcategory.
The expense modal includes a hierarchical category picker, amount with built-in calculator, account selector, date picker, and recurring toggle. Assign an expense to an account to automatically adjust its balance.
Add multiple expenses at once using the receipt entry mode. Enter line items with amounts and categories, and they're all saved together under a shared date, account, and merchant. Tax is calculated per item based on your default tax rate in Settings.
When adding an expense, the category picker learns from your history. Type a description and it auto-suggests the most likely category. If no match is found, AI will suggest creating a new subcategory under the right parent, or matching to an existing one you might not have thought of.
In the category picker, tap the gear icon to enter manage mode, then tap AI Reorganize. AI analyzes your entire category tree and suggests improvements:
Review each suggestion, uncheck any you disagree with, or type feedback to refine the proposals before applying.
Filter your transaction list by account using the dropdown next to the search bar. Useful for reviewing spending on a specific credit card or from a particular bank account.
Track your earnings from all sources.
A donut chart shows income by source (salary, freelance, dividends, etc.). See exact amounts and percentages for each source.
View your income over time with a comparison overlay from the previous period. Spot trends and seasonal patterns.
Toggle between source view (grouped by source) and date view (chronological). Search and filter to find specific entries.
Log income with a source name, amount, account, date, and optional notes. When you assign income to an account, the balance increases automatically.
Forecast cash flow, pay down debt, and reach your savings goals.
See a forecast chart of your expected cash position over the next 7 to 60 days based on recurring rules. Color-coded alert levels help you spot potential shortfalls:
Below the chart, see a list of upcoming transactions so you know exactly what's coming.
Choose a payoff strategy and see a detailed timeline for becoming debt-free:
Use what-if scenarios to see how adding extra monthly payments (+$50, +$100, +$200) accelerates your payoff date. Track milestones at 25%, 50%, 75%, and 100%.
Create savings goals with a target amount and deadline. Link a goal to an account for automatic progress tracking, or update progress manually.
Progress bar colors indicate how close you are:
Completed goals move to a separate section so your active list stays clean.
A guided review of your finances once a month.
Once a month, a check-in popup appears automatically when you open the app. It gives you a quick summary of the previous month:
Customize the app to fit your needs.
Update your name, email address, or password.
Choose from 50+ currencies. All amounts display in your selected currency.
Choose whether mortgage balances are included in your net worth calculation.
Set a default tax rate used when calculating taxes on purchases.
Manage recurring expenses and income (subscriptions, salary, bills). These power the cash flow forecast.
Download your expenses, income, or accounts as CSV files for use in spreadsheets.
Permanently delete your account and all associated data. This requires your password and typing DELETE to confirm. This action cannot be undone.
Answers to common questions.