Category: Web App Tutorials

Track Credit Cards on Toshl

Credit card spending can quickly get out of hand, so it’s good to keep track of how much you spend and when that credit card bill is due.
If your credit card or bank account is one of those supported for syncing in Toshl Medici (log in required), this can be done automatically and the expenses and balances will just fly in.
If you track you finances by adding your expenses to Toshl yourself, here’s how to best track your credit cards:

1. Add all your credit cards as separate financial accounts

More info on how to add accounts is available here.

2. Add your credit card spending during the month

Add expenses made with your credit cards on the day you pay for them. Just make sure that the credit card account is selected correctly.

3. As you spend, the credit card account balances will become negative

That’s how you’ll know how much the credit card bill will cost you when it comes. You can see these balances in the account list on the right.
In the mobile apps, swipe from the right to open the account list.
On the web app, click the accounts/filtering button on the top right of the screen.

4. When the credit card bill comes, make a transfer from your bank account

The transfer should be from the bank account from which you pay your credit card bill. The transfer destination account is the account of the credit card you’re paying off.
This transfer will cover the negative balance of the credit card account, so you can start the new month fresh.
If you don’t have any outstanding credit card debt and haven’t made purchases since the credit card billing period concluded, the account balance should be 0.


5. Set the transfer from your bank to your credit card to repeat automatically

Usually the transfer will repeat each month, on the day that you get the credit card bill.
For the transfer amount, you can set an approximate amount you expect for the credit card bill and then edit it to a more exact one when the bill comes.
Reminders will also be set by default when you make the transfer repeat automatically. One a day before the bill is due and one on the day. You can customize the reminder timing.
That way, you’ll be notified before and on the day when your credit card bill is due.
Once you have this set up, you can simply enter the exact amount on the transfer each month and the credit card balance will provide some much needed clarity.
To get warned about your spending tempo beforehand, consider setting up a budget. You can also set it to track just selected accounts, like your credit card.
Adding more than 2 financial accounts and automatically repeating entries require Toshl Pro. Automatic syncing with banks and credit cards is available with Toshl Medici.
Toshl monsters can be a bit old school. They still prefer cash briefcases to credit cards.
Posted in Android Tutorials, iOS Tutorials, Tutorials, Web App Tutorials

Hint: Zero-in on a location. All you need is a comma.

A new feature gradually appeared in the Toshl Finance apps in the recent months. Wondering if you’ve noticed it already?


Let’s say you’re adding a location to your expense or income, but are already far away from the place where the purchase happened. Normally, Toshl suggests closest places around you. When you search, it will also search for venues in an about 30 kilometre radius. That can be quite useless when already further away.


That’s why you can now specify the town or city where the expense took place. Simply type-in the name of the venue you’re looking for, add a comma (,) and add the town or city where the venue is.


For example, let’s look for a pub called “Godec” in Ljubljana*, the capital of Slovenia.

Search for: “Godec, Ljubljana”


location searching with town / city parameter

expense with foursquare location selected


There you go. Your beers can now be properly attributed to your purveyor of choice, even if you’ve only thought of noting it in Toshl the next day.


*Yeah, Ljubljana is actually spelled that way. Pronunciation isn’t that difficult though, just go with: “Loo-blah-nah”, like most locals do.

Posted in Android Tutorials, Announcements, iOS Tutorials, Tutorials, Web App Tutorials

Two-Factor Authentication and How to Use It

What is two-factor authentication?

Two-factor authentication is an extra layer of security for accessing your Toshl user account. You would normally log in to Toshl with your email and password, or using the Facebook and Google log in options. That’s the first authentication factor.

When you activate two-factor authentication, Toshl will ask you for another code before you can log in. That authentication code is a 6-digit number, which you get from a special app on your phone or computer.

The authentication code is generated automatically according to an algorithm. Unlike your password, the authentication code changes every 30 seconds. That means you’ll always need the authentication app on your phone present to log in.2-factor authentication Toshl web app



Why is two-factor authentication important?

It makes it much harder for someone to gain unauthorized access to your account. While protecting your account with a good password is usually enough, there can be circumstances where such an extra security barrier is very useful.

For example, if you used the same password on another service which gets hacked, the details can leak revealing your password. Perhaps someone can guess your password or gain access to your Facebook or Google account. In such cases, someone could try logging in with that password to Toshl as well.

If you have two-factor authentication enabled and set up on your phone, they would also need physical access to your unlocked phone to be able to log in, which would likely prevent them from accessing your Toshl account.

While two-factor authentication provides an important extra layer of security, it’s still important to take basic security precautions:

  • Use hard to guess passwords, which are also long enough to be difficult to guess with automatic attempts.
  • Do not use the same password on several services.
  • Always log out of Toshl when using it on devices used by multiple people, or on devices which you leave unlocked.
  • Lock your devices with a code/password.

Toshl monster with a number and shut mouth



How do I set up two-factor authentication?

  1. Go to and Log in.
  2. Go to user settings (Me) in the main menu and turn ON the option Two-factor authentication.

  1. A wizard will open, guiding you through the process.
  2. Download an authentication app on your phone.
  3. Add a new code in that app by scanning the QR code on your screen.
  4. Download the file with recovery codes. This is important. In case you lose your phone, these codes will enable you to log in. Save them in a safe place.

text file recovery codes download icon

  1. Type in the newly generated code to Toshl to confirm all is working well and finish activating two-factor authentication.
  2. Great success! Much rejoicing. 2-factor authentication is now active whenever you log in.

great success bathing suit monster



What are these authentication apps? Which ones can I use with Toshl?

This kind of two-factor authentication follows a common standard, so there are a whole bunch of apps which can help you with generating these authentication codes, once you set it up like described above.

Below are some popular authentication apps that we found useful. You can use others as well, just make sure you pick one from a trustworthy developer.

Google Authenticator (Android, iOS)

Microsoft Authenticator (Android, iOS, Windows Phone)

Authy (Android, iOS)


Password managers with support for two-factor authentication codes




Do I have to enter this every time? Which Toshl apps demand the extra code?

You have to enter the code every time you log in, provided you were logged out before.

The web app will require the extra code whenever you log in anew. If you check the “Remember me” option when logging in, Toshl won’t request the two-factor code until the next time you Log out, or the session expires. So if you log in using “Remember me” then just close the browser without logging out, you likely don’t need to enter it again the next time you open

The mobile app will also require the extra code whenever you log in anew. So you just enter the two-factor code the first time you log into the app, then your log in is remembered unless you log out in user settings (Me) of the mobile app.

If you re-install the app or log out, you will need to enter it again.

two-factor authentication on the Toshl Finance Android app

It’s a good idea to lock the Toshl app with a passcode or fingerprint as well as your entire phone.


What if I lose my phone or accidentally delete the authentication app?

Try not to (👨‍✈️ salute to Captain Obvious). If you do, you can log in using the recovery codes you saved during the set up process.

It’s very important to save the recovery codes and store them in a safe place. Save them on your computer, external drive or even print them out, if you’re more certain you’ll find them that way later on.

Recover code 2 factor authentication Toshl web app


When Toshl asks you for the authentication code, click the option to log in using recovery codes. Enter it and log in. Each code can only be used once, so you have 10 log-ins with the codes available altogether.

If you permanently lost your phone or deleted the authentication app, go to user settings (Me), deactivate the two-factor authentication, then set it up again using the new device/app.


Why not send authentication codes via SMS?

We realize that’s what a lot of other services do, but that way is less secure. It depends on your mobile phone service provider, but in lots of cases it didn’t take much social engineering for dedicated hackers to convince them to transfer the phone number to another SIM card. That way, your authentication codes could be intercepted without you even knowing. There have been cases of this happening in the past.



monster with a safe

Posted in Android Tutorials, iOS Tutorials, Tips & Tricks, Tutorials, Web App Tutorials

Financial Planning (Web App)

Know your past spending and earning patterns, plan for the future. This is what the Planning graph is all about.

There are 4 different tabs on top, to help with different parts of your financial plan.


Balance – monthly balance of incomes and expenses

This balance is separate for every month and is calculated like this: “incomes this monthexpenses this month” = “monthly balance“. For total balance in all time, see the net worth graph.

Staying above the 0 line is crucial. At least on a yearly average, if it doesn’t exactly work out every month.

financial planning - monthly balance


Expenses – spending per month

Shows the sum of expenses each month, but can also be filtered to display spending on certain categories, tags, locations and financial accounts.

financial planning - expenses


Incomes – earnings per month

Shows the sum of incomes each month, but can also be filtered to display earnings on certain categories, tags and financial accounts.

financial planning - incomes


Net worth – total balance of your financial accounts

These funds accumulate if you have regular surpluses on your monthly balances. The amounts reflect the account balances at the end of the month.

financial planning - net worth (total account balance)


Click & hold for details and a lollipop

To get the exact value for each column, click and hold somewhere on the graph.

A “lollipop” will show up, displaying the exact value for the month.

Past months will also display averages for the latest 12 months, while future months can also show estimates for the period.

financial planning - financial month details (lollipop)

toshl accounting monster with lollipop

River flow – see the financial flows each month

You’ll notice that the River flow graph is displayed below the multi-month graph. It shows how your incomes and expenses compare to each other and your budget in an individual month. If you have a monthly budget for all expenses, it will include it in the calculation as well, so you’ll know how much you can spend while keeping within your budget limits.


Travel in time

14 months are shown on the graph. By default 8 past ones, the current month and 5 future months.

You can move through time by using the < > arrows on the left and right side of the graph or by using the general time span settings on the top of the page.

If you’re interested in sums for a certain period, you can also select a custom time span. The selected months will be displayed in darker color below the graph and you’ll see sums for the entire period.

financial planning - custom time span



Filter by category, tag, account, location

You can zero-in on specific data you’re interested in and want to see over a longer period of time.

Let’s say you want to know how your spending on Food & Drinks varies in time. Click on “Expense categories” in the right sidebar, “Select categories” and click “Food & Drinks”. The graph will immediately filter to show you only spending data for the Food & Drinks category, so you can see how it varies through the year.

You can narrow it down even further by selecting a tag. Do the same in the “expense tags” section and you can see how much you spent only on restaurants, alcohol, groceries or a combination of multiple tags.

financia planning - filer by account, category, tag, location

You don’t have to pick only one filter. They can be combined. For example, you can set it to only show expenses paid with MasterCard (financial account), for Leisure (category) for books, movies and music (tags) in HMV Manchester Arndale (location).

This filtering is global, so it will work with all the data in Toshl apps. You can also turn off the filtering panel by clicking on top right, to reveal the expense list below. Any filter that’s applied will be displayed on the top right next to the filtering funnel icon. If no filters are applied, it will just say “All accounts”.


Estimates and planned expenses

You’ll notice that the future months aren’t as colorful on the graph. That doesn’t mean that the future isn’t bright, just a bit hazy for now.

The semi-transparent columns in future months can display your planned entries, future estimates or both.

financial planning - estimates and planned entries


Planned entries

These are the expenses, incomes and transfers you have already entered into the future, or were generated automatically based on the repeating entry settings that you have set earlier. We advise to add much of these as you can possibly predict. They’ll help you plan your future months so you can keep financial stress down to the minimum.

These planned entries can be set to display in the graph or not. You can set this by clicking the month on the top of the page, then setting the switch for Planned ON or OFF. This will also affect other graphs in Toshl.



Estimates project your past trends in earning and spending into the future, providing a rough guide of what to expect with your balances, spending, earnings or net worth if the current trends continue as they have so far.

As it’s based on your past data, the more time you’ve been tracking your finances with Toshl, the more precise they can become. We’ll also be improving the algorithm for this over time, so it will become better at guessing your spending patterns.

You can switch estimates ON or OFF in the filtering sidebar on the right side of the graph.



The Planning feature is available with Toshl Pro. Manage and save money better for the price of a coffee per month.

Improving and maintaining apps takes resources and time. By upgrading, you’re supporting the future development of Toshl Finance. Thank you!

Posted in Tips & Tricks, Tutorials, Web App Tutorials

Emojify your finances

In Toshl Finance, every expense or income gets a category, so you can quickly note what you’ve been spending on.


When you first sign up on Toshl, your account comes pre-filled with some of the more commonly used categories and tags, which should cover most of your needs. That way, you can start using it immediately and not worry about setting up an entire tagging system from scratch.

Our financial lives can differ quite a bit, so it’s important to keep this system versatile. That’s why you can add new, custom categories and tags to fit whichever purpose your spending goes towards. Every existing category or tag can also be edited.

To keep this categorisation system easily customisable and universal, Toshl does’t add icons to any of the categories in advance. But this doesn’t mean you can’t liven up your Toshl account with icons yourself.

No need to get out your drawing pencil or start looking for images around the internet. Luckily we have emoji! A handy collection of icons, already there in a virtual keyboard near your fingertips.


How do I add emoji to my personal finances?

Simple, when adding an expense add a new category or tag. When typing in the name, switch the keyboard to emoji and tap in whichever title and emoji you want.

Spice up European UnionAdding a category for my projects to spice up European Union politics.

You can add an emoji icon in addition to your text category or tag. If you’re more courageous and sure to understand your symbolism later on, you can also opt to save categories with only emoji instead.

At the moment, categories and tags can be added in both native mobile apps (Android, iOS) and web apps, but editing existing categories and tags is only available in the web app.

To add emoji to your existing categories, log in on then go to Expenses / Edit categories.

Click on a category or a tag inside a category, click Edit next to it and fill in the name with the emoji.

emoji keyboard mac


How to activate the emoji keyboard on a Mac?

Press the keyboard keys control + command + space bar simultaneously and the emoji panel will pop up.

You can also click Edit in the menu bar on top of the screen, then click “Emoji & Symbols


How to activate the emoji keyboard on Windows 10?

Click the touch keyboard icon in the bottom right corner of the screen.

The on-screen keyboard will open up. Click the smiley face emoji icon, just left of the space bar.

Emoji keyboard will open up. You can change emoji categories in the bottom row.

Once you’ve done a bit of editing your categories can look like this:


The new categories will liven up your expense adding and lists as well.



Any changes you make to your categories and tags in the web app will automatically sync to your iOS and Android mobile apps.

Add expense with emoji on iOS

Expense list with emoji iOS

As makers of mobile and desktop operating systems each design and use their own set of emoji, the style might look a bit different when seeing them on a different platform. The emoji will be the correct ones, with the same meaning, but the styling of the icon might vary a bit.



If you’ve set up a very nice custom system with your emoji we’d love to see it. Perhaps we’d even publish it in a future tutorial or post, with your express permission, of course. If you’ve made such a creation, please send it to Can’t wait to see what emoji combinations you come up with!



Posted in iOS Tutorials, Tips & Tricks, Tutorials, Web App Tutorials