Track real balances. Understand every month.
Kinko helps you manage personal finances with a calmer workflow: enter real balances once per month, explain the movement with cashflows, keep recurring items under control, and review imports before they affect your records.
- PIN protected
- Your data is encrypted
- Private and secure
KINKO
金庫
Dashboard
May 2026
- Income€ 4,250
- Expenses- € 2,847
- Transfers- € 350
- Left€ 1,052
How Kinko works
You enter your real balances once per month. Kinko then helps you explain the movement with cashflows, recurring entries and imports.
Why balances come first
Balances are the truth. Cashflows are the explanation. That simple model keeps your monthly review practical and makes discrepancies visible immediately.
Secure by design
Sensitive finance data is encrypted and protected by your PIN. Kinko is built for private personal use, with security as part of the workflow rather than an afterthought.
Your workflow in four simple steps
Set up your accounts
Add your bank accounts, cash, savings, investments and other places where your money lives.
Enter monthly balances
At the end of each month, enter the real balances you actually see in your accounts.
Explain the changes
Add income, expenses and transfers to explain how one month turned into the next.
Review recurring & imports
Let recurring entries create suggestions and import CSV files when you want to save time.
Everything you need, in one place
Accounts & subaccounts
Organize checking, savings, cash, brokerage and split buckets for clearer tracking.
Monthly review
Compare current balances with suggestions and close months with more confidence.
Cashflows
Record income, expenses and transfers to explain exactly what changed.
Recurring rules
Create salary, rent or subscription templates and review confirmations when needed.
CSV import
Import bank exports, map accounts, review duplicates and keep control before saving.
Wishlist & budget plans
Track future purchases and larger plans without mixing them into your actual monthly data.
Start free. Unlock Pro when you want more planning.
Core Kinko workflow
EUR 0.00 / year
Everything essential stays free, so accounts, monthly reviews and normal cashflow tracking remain simple and accessible.
- Accounts & subaccounts
- Monthly overview
- Yearly overview
- Cashflows
- Recurring cashflows
- CSV import
- Currency converter
Planning and smart assistance
EUR 49.99 / year
Pro is for the extras that make handling faster: planning tools, wishlist features and AI help while categorizing cashflows.
- Smart multi-bank import beta: Upload multiple bank CSV exports, detect known banks automatically and review one merged preview.
- Wishlist: Track future purchases and separate them from your real monthly finances.
- Budget Plans: Plan trips, projects and larger costs with scenarios, options and totals.
- AI Cashflow Assistant: Get GPT-powered suggestions for cashflow type, category and import review, especially during CSV imports.
Your data. Your control.
- Protected by your PIN
- Encrypted finance data
- No ads. No tracking.
- You decide what gets stored.
Ready to bring clarity to your finances?
Start with one month, one real balance sheet and a workflow that stays understandable.