Reduce your financial anxiety.
“Payday: €1,480. How much of it is really mine to spend?”
- -€1,000Bills, set aside
- -€387Envelopes, filled on payday
- €93Leisure, each month
Ekinance does the math for you, then breaks it down week by week.
No bank connection needed.
Insights shows the math. Today shows your week.
Bills set aside. Savings set aside. The rest is yours.
Your bank balance never tells you what's actually yours to spend.
Rent, subscriptions, a yearly insurance bill: it's all coming, but none of it has left your account yet. So a balance that looks fine may already be spoken for.
- iDoing the math in your head, without quite trusting the result.
- iiBuying a coffee, then wondering if you should have.
- iiiA once-a-year bill arrives and throws off the whole month.
It tells you what's safe to spend this week, and keeps it up to date.
Ekinance takes your income, your regular bills and your savings, then figures out what's safe to spend this week. Log an expense and the number goes down. That's it: no categories to manage, no charts to read.
Your money, sorted into envelopes that fill themselves.
An envelope is money set aside for something that matters. You name it, and it fills up automatically every payday. Whatever's left is safe to spend.
Everyday
For regular spending, like groceries and gas. What you don't spend carries over.
Projects
A goal with a deadline, like a trip or a bike. Ekinance sets aside the right amount each month.
Savings
A goal filled at your own pace: an amount each month, or a date to aim for. Your emergency fund lives here.
Ekinance sets up your emergency fund for you: three months of essential spending, built up with about 20% of what you have left after essentials each month, as Budget-conseil Suisse recommends.
The Envelopes screen: Everyday, Projects and Savings.