Kontto: Personal Finance

Kontto is the personal finance app that shows you where your money actually goes — fast, simple, and 100% offline. Your data stays on your phone, and it's yours alone.

Add your accounts and cards, log an expense in seconds, and understand at the end of the month where the money went.

WHAT YOU CAN DO
• Checking, savings, cash, digital and investment accounts
• Credit cards with limits, statement close and due dates
• Open, closed and paid statements — including partial payments
• Income, expenses, transfers and installment purchases (each installment lands in the right month)
• Recurring transactions and subscriptions
• Custom categories, subcategories and tags
• Budgets by category and savings goals
• Balance projection for the months ahead
• Spending by category, with quick filters

STATEMENT RECONCILIATION (no retyping)
Import your credit card statement as PDF or CSV and Kontto reconciles the transactions on its own. Everything is parsed on your own device.

AI ASSISTANT (optional, BYOK)
Ask about your finances, check your financial health, get tips and a monthly recap. Powered by Google Gemini in bring-your-own-key mode: you paste your own key and only you have access. Without a key the app works normally — AI is a bonus, not a requirement.

BANK NOTIFICATIONS (Android)
Kontto can read bank and card notifications and suggest transactions automatically. You review each one before saving, and nothing is sent to a server.

FREE — WITH AN OPTIONAL PRO
The essentials are free forever. If you want more, subscribe to Kontto Pro: advanced reports with PDF export (month-over-month comparison, fixed vs. variable, results by category), spreadsheet export, "Who owes me" tracking, themes and home screen customization, and no limits. No ads on any plan.

PRIVACY AT THE CORE
• Local-first: your data stays on your device
• No account, no login, no email required
• Backups only when you ask, in the format you choose
• PIN and biometric lock
• No ads and no cross-app tracking

WHO IT'S FOR
• Anyone done with spreadsheets who doesn't want to hand their data to a fintech
• Anyone juggling multiple cards and losing track of statements
• Anyone who wants to know, at the end of the month, where the money went
• Freelancers and employees who need to separate income by source

We're always improving — more reports, projections and exports — while keeping the golden rule: your data never leaves your phone without your permission.

Your money. On your phone. On your terms.

Recent changes:
• Installments (Pro): all your installment purchases and the "Can I fit one more?" simulator.
• Statement reconciliation accepts the CSV file your bank exports.
• The transactions filter combines several accounts and cards at once.
• Recurring items can be ignored in reports and budgets too.
• In an account's statement, a transfer shows as money out or in.
• A bill paid on another date no longer comes back as a reminder.
• Automatic reading understands InfinitePay, LeCard and Ourocard.