How Khaya Works
Khaya combines account records, budget targets, debt payments and goal contributions in one personal finance workspace.
- Interface: HTML, CSS and JavaScript, with shared components across the app.
- Service: A PHP API with MySQL-compatible storage.
- Calculations: Shared server-side rules distinguish planned income, spending allocations, recorded account balances and net worth.
Account Access and Data
Bank linking uses truID to import account and transaction data. It is read-only: Khaya cannot make payments from your linked bank accounts. Connection availability and refresh depend on the provider and institution.
- Passwords are stored as hashes, with expiring sign-in sessions.
- API requests check account ownership and feature access on the server.
- Manual records need your confirmation of the last complete date; an old import does not prove that later days are complete.
See our Privacy Policy for information about the data we collect, or contact us with a question.