▸ Xonoko budget
Xonoko turns your budgets into a forecast of your actual balance. Plan the house, the trip, the safety net - and know today whether you can afford them, instead of auditing last month.
Cancel anytime. No ads, no data selling - your subscription is the business model.
This is the actual app screen - drag a budget row and watch the forecast redraw.
// Features
More than a tracker - a system for planning the money you have not spent yet.
Create savings goals for the big moments - a house down payment, a wedding, a sabbatical - and watch the forecast tell you when you will get there.
Set limits by category and see their effect on your future balance immediately. A budget is not a report card - it is a steering wheel.
Checking, savings, investments - connect them all and see one balance line, one history, one forecast.
Secure connections to banks in Europe and the US. Transactions import daily so the forecast is always built on real numbers.
// Automation
The boring parts happen on their own. You stay in charge of the decisions.
Transactions sort themselves into the right categories, and the AI learns from every correction you make.
Recurring charges, rent, payday - Xonoko knows the rhythm of your money and projects it forward so nothing surprises you.
Get suggested rules, budgets, and savings goals based on how you actually spend - accept or ignore with one tap.
Review every transaction, only the flagged ones, or none at all. The app adapts to your style, not the other way around.
// ADHD
Xonoko is built by a developer with ADHD, for everyone who has abandoned three budgeting apps before this one.
All transactions, only flagged ones, or full autopilot - pick the level of involvement that matches your energy.
Daily nudges, a weekly summary, a specific time - or complete silence. Reminders that help instead of shame.
No wall of uncategorized transactions waiting to judge you. The AI keeps things tidy while you are away.
Financial data of European users is stored in EU datacenters, managed by EU companies, under GDPR. And because you pay for Xonoko, your data is never the product.
// About
$ whoami
lucas — solo developer · adhd · xonoko user #1
I built Xonoko because I couldn't find an app that helped me plan for the future instead of auditing the past. Having ADHD, I also needed something that wouldn't become another source of guilt. No investors, no growth team - just me, building the tool I use every day, funded by the people who use it.
— Lucas, developer of Xonoko
// Pricing
Two plans. Both complete. The difference is how many banks you connect.
Everything you need for intentional budgeting
For a bigger financial picture, or a shared one
Why no free tier? Every connected bank costs real money in secure banking APIs (about €2 per user per month). You pay for the product - so your data never has to be the product.
// FAQ
Most banks in the EU (via PSD2-regulated connections) and the US. Your credentials never touch our servers - connections are handled by regulated banking providers.
Bank connections cost us about €2 per user per month. A free plan would force us to sell data or show ads - we would rather charge a fair price and keep your data private.
Yes. Subscriptions are managed through the app stores or the web app, and cancelling takes two taps. Your data can be exported or deleted whenever you want.
iOS, Android, and the web. Everything syncs, and the mobile apps work offline.
Built by one person, funded by users, no investors. Your subscription keeps the lights on.
Start your free trial →