Frequently Asked Questions

YAFFA doesn't sync with your bank on purpose. Automatic bank sync trades awareness for convenience — once transactions post themselves, it's easy to stop noticing what's actually happening in your accounts. Instead, YAFFA has you record transactions yourself, or bring them in through an import, so every entry is something you've actually seen. YAFFA still speeds up the repetitive parts, like:

• remembering which category a purchase belongs to,
• quick-entry suggestions during transaction entry, and
• AI-based document and receipt processing ,
• CSV and QIF file import from your bank's export files,
• and automatic entry of pre-approved recurring items

— it just never records anything you haven't seen or approved.

No — YAFFA doesn't assume any accounting background. You record what you spend and earn in plain terms — groceries, salary, rent — and the structure builds up around that as you go. A short setup checklist on the dashboard walks new users through the handful of things needed before YAFFA becomes useful.

No — you can use as much or as little of YAFFA as you need. Plenty of people only ever use accounts, categories, and simple budgets.

Investments, AI document processing, multi-currency support, and other advanced features are there if you want them later, but nothing about YAFFA requires using them to get value from day one. You can try the demo to see how much of it you actually want to use.

It gets faster without becoming invisible. As you record transactions, YAFFA starts recognizing patterns — like which category a particular payee usually falls under — and offers that as a one-click suggestion instead of applying it automatically. You always see and approve a suggestion before it's saved.

They're entirely optional. Nothing about recording transactions requires AI — it's an extra layer you can turn on for the parts of data entry you find tedious, and ignore completely if you'd rather enter everything yourself.

Self-hosting is the only option — YAFFA doesn't offer a hosted, sign-up-and-go version. You run it on your own server or home hardware instead of trusting a vendor with an account. That's a deliberate choice: the whole point is that your financial data stays under your own control from the start.

See some possible options for self-hosting YAFFA in the documentation.

Only you, by default. Because YAFFA runs on infrastructure you control, there's no vendor in the middle collecting or storing your financial records. Nothing is shared with third parties unless you deliberately turn on an optional feature — like an AI provider for receipt scanning and recognition — that requires it.

There's no separate mobile app, but YAFFA works on your phone through its browser. YAFFA is a responsive web app rather than a native iOS or Android app, so it's reachable from any device on the network you host it on — not tied to one desktop.

Only to the AI provider you choose to configure, using your own account and API key — not to YAFFA's developers or any bundled service. You decide which provider is used and what gets sent, and AI document processing works the same review-before-save way whether or not you enable it.

Self-hosting is the only option — YAFFA doesn't offer a hosted, sign-up-and-go version. You run it on your own server or home hardware instead of trusting a vendor with an account. That's a deliberate choice: the whole point is that your financial data stays under your own control from the start.

See some possible options for self-hosting YAFFA in the documentation.

There's no separate mobile app, but YAFFA works on your phone through its browser. YAFFA is a responsive web app rather than a native iOS or Android app, so it's reachable from any device on the network you host it on — not tied to one desktop.

Not much. Before you record your first transaction, you just need one currency, one account, and one payee in place. The dashboard walks new users through this as a short checklist and links straight to the right screens for each step.

Yes — YAFFA supports multiple currencies. You can add as many currencies as you use, mark one as your base currency, and YAFFA converts foreign-currency accounts into that base currency wherever it shows you a total, using exchange rate history data.

Yes — you don't have to start from zero. YAFFA supports importing CSV and QIF export files from your bank, and every imported row is shown to you as a draft first. Nothing becomes a real transaction until you've reviewed and confirmed it.

Importing from other financial apps is not officially supported.

Yes. Accounts can be organized into groups you name yourself, like "Daily banking" or "Savings," so the account list stays readable even if you track a dozen wallets, cards, and bank accounts.

You always get to review them first. Importing a file produces a list of draft transactions, flags anything that looks like a possible duplicate, and only turns a row into a real transaction once you've reviewed and confirmed it.

No — YAFFA keeps transfers separate from real spending and income. Moving money from checking to savings, or paying off a credit card from another account, is recorded as a transfer, and it doesn't show up in your category-based reports the way an actual purchase would.

Yes. A single transaction can be broken into multiple lines, each with its own category and amount, so one trip to the store can show up as part groceries and part household spending instead of forcing you to pick just one label or artificially split it into multiple transactions.

Yes — tags exist for exactly this. You can label any transaction with something like "Italy trip," on top of its normal category, then pull up everything with that tag later without changing how your categories are organized.

No. You can rename categories, mark old ones inactive instead of deleting them, or merge two categories into one — your past transactions stay intact and still make sense afterward. YAFFA won't let you delete a category in a way that would break existing records.

It gets faster without becoming invisible. As you record transactions, YAFFA starts recognizing patterns — like which category a particular payee usually falls under — and offers that as a one-click suggestion instead of applying it automatically. You always see and approve a suggestion before it's saved.

Yes. The Find Transactions report lets you filter your history by payee, category, tag, account, or date range, then switch between a summary, a list, a timeline, and a monthly breakdown of the same filtered results.

No — you can use as much or as little of YAFFA as you need. Plenty of people only ever use accounts, categories, and simple budgets.

Investments, AI document processing, multi-currency support, and other advanced features are there if you want them later, but nothing about YAFFA requires using them to get value from day one. You can try the demo to see how much of it you actually want to use.

Yes. Alongside your transaction history, you can set up recurring items — rent, salary, a loan payment — so they show up as expected future events instead of being typed in again every month.

Yes — recurring items appear on a calendar on your dashboard , so upcoming rent, subscriptions, or loan payments stay visible before they're due, and you can enter or skip them right from there.

A word of caution: YAFFA doesn't send email or push notifications to remind you about bills or any other due dates.

Yes — the cash flow report can include a forecast view that projects your balance forward based on the recurring items and budgets you've set up. It's meant as a planning aid, though, not an exact prediction — it's only as accurate as the recurring plans behind it.

Yes. A budget can represent an expected level of spending for a category — "about this much on eating out per month" — without needing to know the exact payee or date ahead of time. Later, you can compare what you actually spent against that target.

Yes. The budget history report lets you pick categories and see actual spending plotted against your budgeted amounts over time, with a trend line to help tell a temporary spike apart from a lasting change in habits.

Yes. Investments sit alongside your cash accounts in YAFFA, so buying, selling, and holding shares or funds becomes part of the same financial picture as your regular spending and income, not a separate tool. You can also organize holdings into groups the same way you organize accounts.

Not necessarily. You can connect an investment to a price provider so its value updates automatically, but that's optional — you can also enter and correct prices by hand, and an investment works fine even without a price feed configured.

Yes. Dividends and interest-style income are recorded as their own kind of investment transaction — your holdings stay the same, but the income shows up in your cash flow just like any other deposit.

The investment still works. Automatic price lookups depend on an external data source, and coverage varies by asset — if nothing is available, you can enter prices manually, and everything else, from transaction history to quantity tracking, keeps working normally.

Yes — the cash flow report can include a forecast view that projects your balance forward based on the recurring items and budgets you've set up. It's meant as a planning aid, though, not an exact prediction — it's only as accurate as the recurring plans behind it.

Yes — that's what the dashboard is for. It's a quick-glance home screen: your total account value, which categories moved the most this month, and what's coming up next, all without opening a full report.

Yes. The budget history report lets you pick categories and see actual spending plotted against your budgeted amounts over time, with a trend line to help tell a temporary spike apart from a lasting change in habits.

Yes. The Find Transactions report lets you filter your history by payee, category, tag, account, or date range, then switch between a summary, a list, a timeline, and a monthly breakdown of the same filtered results.

Yes — you don't have to start from zero. YAFFA supports importing CSV and QIF export files from your bank, and every imported row is shown to you as a draft first. Nothing becomes a real transaction until you've reviewed and confirmed it.

Importing from other financial apps is not officially supported.

Yes. YAFFA supports both CSV and QIF files, the two most common export formats banks offer.

If a file can't be understood, YAFFA flags it clearly instead of guessing or silently dropping rows. For CSV files, you can also build a simple mapping profile that tells YAFFA which column means what — date, amount, description — so formats it doesn't recognize out of the box can still be taught to it. Read more about CSV and QIF import.

You always get to review them first. Importing a file produces a list of draft transactions, flags anything that looks like a possible duplicate, and only turns a row into a real transaction once you've reviewed and confirmed it.

It can, if you turn the feature on. Upload a receipt or invoice, or forward a purchase email, and AI document processing prepares a draft transaction with the payee, amount, date, and category already filled in for you to check.

They're entirely optional. Nothing about recording transactions requires AI — it's an extra layer you can turn on for the parts of data entry you find tedious, and ignore completely if you'd rather enter everything yourself.

Only to the AI provider you choose to configure, using your own account and API key — not to YAFFA's developers or any bundled service. You decide which provider is used and what gets sent, and AI document processing works the same review-before-save way whether or not you enable it.

Nothing is saved automatically. Every AI-prepared draft goes through a review screen where you can correct the payee, amount, date, or category before anything becomes a real transaction — the AI suggests, but it doesn't get the final say.

However, the more you use the AI features and correct its suggestions, the better it learns your personal preferences and the more accurate its future suggestions become.

YAFFA is built for personal financial awareness and planning, not as accounting or tax software. It can help you see patterns in your income and spending, but it isn't designed to meet formal accounting or tax-reporting standards, so keep your official records separately.

Each YAFFA account is built around a single person's data and settings, so there isn't a built-in way for two people to share one login and see the same accounts. Some households work around this by both using accounts on the same self-hosted instance, but that's a workaround rather than a designed shared-household feature.