I understand the developer trying to create a unique finance app that looks different and more creative than those same looking other apps in the app store but sadly its the case where form doesnt follow function, the UI design is just very convoluted for an average user. It makes me "think too much" when using it causing unnecessary cognitive load to my brain and ended up being not fun at all and tedious to use for me personally.
I think any app really need to be fast, clear with good touch target size, simple minimal UI (not hey, look at how cool i am UI design), without needing users to go through tons of tutorials and guides to understand the app and waiting forever for the web app to load. The moment you need to explain your UI so much, you know it is not good or simple enough.
I withhold my comments for few months (in beta) thinking it might be just me and my knee jerk reaction to change and keep using it to give it a fair run, but sadly until today i still think its confusing to use and no longer as fun as the old but much simpler version. In fact, the truly "fun" and delightful finance app in the AppStore now is Pennies, though it has much less features but it works wonderfully and a joy to use with it simplicity but yet maintaining a distinct personality compared to the typical boring finance app.
I still give Toshl two stars for the developer hard work and effort to make a unique finance app and i still be using it with subscription but I am just sad now that it has completely lost its original appeal to me 3 years ago