What is in Skarb.

Every transaction is income or an expense. It has a category, a note, a merchant, a date and a currency, and the balance it moved through if the workspace keeps balances. One in another currency stores the day's rate, and you can type your bank's rate instead. Search finds a note or a merchant, and filters narrow the list by member, category, currency, balance or dates. A recurring transaction is added for you daily, weekly, monthly or on an interval you set. Up to five attachments per transaction, as photos, scans or PDFs, keep the evidence beside the money. Each person has 500 MB for attachments, and a Storage screen shows what uses it and lets you clear it.

There are three ways in. A receipt photo, a typed line such as coffee 3.20 yesterday, or your voice. All three fill in a draft. Nothing is written until you tap Add. The receipt photo is read once and then discarded, unless you attach it yourself. Typing and voice understand English and Ukrainian. All three need a connection; without one, you fill in the form yourself.

Every workspace starts with 12 categories, 9 for expenses and 3 for income, so the first transaction has somewhere to go. Then they are yours: create new ones, rename them and change their icons. Nest subcategories one level under a parent, and merge one category into another, which takes its subcategories and budgets with it. To retire a category and keep its history, archive it: past transactions keep its name.

Balances are optional named accounts your money moves through, such as Card, Cash or Savings. Each carries its own currency, fixed when you create it, an allow-negative switch and an optional credit limit. You can move money between two of them; only a fee, if your bank charges one, counts as an expense. A grand total adds them up in the workspace's base currency. It counts your own money only, so a credit limit never inflates it.

Balances are off by default. Turning them off later hides them without destroying anything you recorded. Only the owner turns them on or off, one workspace at a time.

Notifications cover budget alerts and workspace activity, plus a daily reminder to log what you spent and a weekly recap. You switch each kind on or off on its own rather than all or nothing. For activity, that goes down to the kind of change: transactions, budgets, categories, members or the workspace itself. An activity notification names the person and the change, never an amount.

Reminder switches are per device. Activity switches follow your account, because the server that sends them is the one that reads them.

You can start as a guest, without an account. Link Apple, Google or email when you want Skarb on a second device, or want to share a workspace or join one. Everything you entered as a guest stays. App Lock is off until you turn it on. Then it asks for Face ID, Touch ID or your device passcode on every cold launch, and on iPhone and iPad after 30 seconds away.

Per-member section visibility keeps each person to the parts of a shared workspace the owner chose. Deleting your account really deletes it: your sign-in, your files and every workspace you own, for everyone in it. What you added to someone else's workspace stays there, credited to "Deleted account". Read the privacy policy.

iPhone in portrait, iPad in every orientation with multiple windows and keyboard shortcuts, and Apple Silicon Macs, which run the iPad app. iOS 26.5 or later. English and Ukrainian, switchable inside the app. Your data is in the cloud and syncs across your devices in real time, and the app keeps working offline and catches up when it reconnects.