Personal finance & business accounting

Know where your money goes. Keep books you can trust.

Caltash gives individuals a clear view of their spending, and gives businesses proper double-entry accounting with approvals, audit trails and financial statements, all in one secure workspace.

  • Personal & business ledgers
  • Two-factor authentication
  • AI assistant built in
Caltash dashboard showing monthly inflow, outflow, balance and recent transactions
Choose how you use Caltash

One product, two ways to work

Pick the type that fits when you sign up. Personal keeps things simple; Business adds the controls that official books need.

Personal

Track your own money

For individuals, freelancers and households who want clarity without accounting jargon.

  • Record income and expenses across multiple accounts
  • Organize with categories and set monthly budgets
  • See cash flow, trends and a forecast of your balance
  • Import bank statements from CSV and undo an import if needed
  • Ask questions about your spending in plain English
Start personal
Business

Keep official books

For shops, sole traders and growing teams that need accounts an accountant or auditor would accept.

  • Chart of accounts and double-entry journal entries
  • Month-end close with a checklist, approval and period lock
  • Trial balance, income statement and balance sheet
  • Tax fields and multi-currency
  • Team roles: admin, manager, preparer, approver and viewer
Start business
Your workspace, your way

Dark or light, whenever you like

Switch instantly from the header, no page reload. Caltash remembers your choice on this device.

Caltash dashboard in dark mode
Dark mode
Caltash dashboard in light mode
Light mode
For businesses

Financial statements, ready when you are

Every entry is recorded in a double-entry ledger, so your reports always balance. Run a trial balance, income statement or balance sheet for any period and export it.

  • Approvals keep the person who enters data separate from the person who signs off
  • Closed and locked periods can no longer be changed by accident
  • A complete audit trail shows who changed what, and when
Income statement report for a business showing revenue, expenses and net income
Features

Everything you need, nothing you don't

The essentials for managing money day to day, plus the accounting tools businesses depend on.

Multiple accounts

Track cash, bank and savings side by side, and move money between them with transfers.

Budgets & insights

Set monthly budgets by category and see spending breakdowns, trends and cash flow.

CSV import

Bring in bank statements in seconds, and roll back a whole import if something looks wrong.

Bank reconciliation

Match your records against a statement and see exactly what is missing on either side.

AI assistant

Ask about your spending, get a written summary of the month and suggested categories.

Cash-flow forecast

Project your balance forward from recurring income and spending patterns.

Export anytime

Download your transactions and reports as CSV or PDF. Your data is yours.

Your currency

Pick your currency when you sign up and see every amount, report and AI answer in it.

Light or dark mode

Switch anytime from the header. Caltash remembers your choice on this device.

Business accounting

Built for real bookkeeping

Chart of accounts

A ready-made structure for assets, liabilities, equity, revenue and expenses that you can extend.

Journal entries

Post balanced manual journals, and let everyday transactions create their own entries.

Close & approve

A checklist before every close, an approval step, then a lock so the numbers stay put.

Tax & multi-currency

Record tax codes and rates, and enter foreign-currency amounts with an exchange rate.

Choose accounts later

Record an entry on Uncategorized for now and pick its account later. A month can't close until every entry has one.

Team roles

Give each person the access they need: admin, manager, preparer, approver or viewer.

Financial statements

Trial balance, income statement and balance sheet, exportable to CSV and PDF.

Audit trail

Every create, edit, approval and close is recorded with who did it and when.

How it works

Up and running in minutes

Create your account

Sign up, choose Personal or Business, and confirm your email. Your workspace is set up for you.

Add your accounts and data

Enter opening balances, add transactions by hand, or import a bank statement from CSV.

Track, review and report

Follow budgets and cash flow, or close each month and produce financial statements.

Use cases

Made for the way you work

From a personal budget to a team closing the books each month.

Individuals & freelancers

Separate income from spending, keep an eye on monthly budgets, and see what is left before the next payday.

Households

Keep shared expenses in one place and give family members read-only access so everyone sees the same picture.

Shops & sole traders

Move from a spreadsheet to real double-entry books, with the reports your accountant or bank asks for.

Teams that need sign-off

Preparers enter, managers organize, approvers review. Nothing counts until the right person approves it.

Bookkeepers & accountants

Review trial balances and statements, follow the audit trail, and confirm each period before it is locked.

Anyone planning ahead

Use the forecast and recurring-payment detection to see what your balance will look like next month.

Pricing

Simple plans that grow with you

Start free. Every new account gets a 14-day trial of the top plan for its type, with no card needed.

Free

Try Caltash and keep simple records.

$0 forever
  • 1 user
  • Up to 3 accounts
  • 100 transactions a month
  • Budgets, categories and reports
  • CSV export
  • 5 AI requests a month
  • AI category suggestions, 30 a month
  • No CSV import or reconciliation
Start free

Business Starter

Real books for shops, sole traders and small teams.

$15 /month$150 /year
Save $30 a year
  • 3 users
  • Chart of accounts and journal entries
  • Month-end close and period lock
  • Trial balance, P&L and balance sheet
  • CSV import, reconciliation and forecast
  • 200 AI requests a month
  • AI category suggestions, 500 a month
Start 14-day trial
Everything included

Business Pro

For teams that need sign-off and full controls.

$39 /month$390 /year
Save $78 a year
  • Everything in Business Starter
  • Up to 10 users
  • Approver role and approvals
  • Tax fields and multi-currency
  • 1,000 AI requests a month
  • AI category suggestions, 500 a month
  • Priority email support
Start 14-day trial

Personal accounts try Personal Plus and business accounts try Business Pro. After the trial you choose a plan or carry on with Free, and your data is always kept. Prices are in US dollars and exclude any taxes. Cancel any time. Need more than 10 users or something custom? Talk to us.

Security

Your financial data deserves real protection

Security is part of the product, not an add-on.

Two-factor authentication

Protect sign-in with an authenticator app. It is required for business administrators.

Role-based access

People only see and do what their role allows, and each organization's data stays separate.

Full audit trail

Changes, approvals and period closes are logged so you can always trace what happened.

Safe sign-in

Email verification, strong password rules, sign-in rate limiting and single-use reset links.

Your data, portable

Export your organization's data whenever you need it, and request account deletion at any time.

Locked periods

Once a period is approved and locked, its entries can no longer be changed.

Ready to take control of your finances?

Create an account in a minute. Choose Personal or Business and start recording.