Kontoo
Split the budget fairly. Net worth in view. Local.
Plan income, fixed costs and shared spending – split fairly and analysed by your own tags. Track real spending, keep net worth and forecast in view. Everything runs in your browser; your data stays on your device.
Set up in under a minute – a guided start creates a lean starting point for you.
No sign-up. Data lives only in your browser – no tracking, no cookies.
Shared pots by income, evenly or with fixed amounts – for couples and flatshares (1–6 people).
Track real spending against your budget, including envelope budgeting.
Brokerage, savings, property and loans (net worth), cash-flow forecast, FIRE.
Charts, the 50/30/20 rule, savings rate and “who pays what?”.
Installable as an app (PWA), works offline. Export/import as a file, encrypted backup.
Frequently asked
Does the app cost anything?
No. It runs as a simple website with no account and no subscription.
Where is my data stored?
Only locally in your browser. By default no transfer, no cookies, no trackers. Optionally you can enable an end-to-end encrypted sync – the server never sees your plaintext data. With “Export” you can additionally save your household as a file.
Do I need an account?
No. Just open it and start.
Does it work offline?
Yes. After the first load the app works offline and can be installed as an app.
How do I switch devices?
Via file export/import – or enable the optional encrypted sync and enter the same passphrase on both devices.
Is there an app too?
The website installs directly as an app (PWA). Native apps for iOS and Android are in preparation.
This app only does the maths – it is not tax or financial advice.