Konto: Expense Tracker

Konto keeps your accounts for you: your household money and, if you work as a freelancer in Italy, your partita IVA. Pay with Apple Pay and the expense logs itself, with the amount, the merchant and a category Konto learns from your choices.

EXPENSES THAT LOG THEMSELVES
Once, you create an automation in Apple's Shortcuts app by following Konto's step-by-step guide. From then on, Apple Pay payments in shops go into Konto on their own; for Apple Pay on websites in Safari, turn on the Konto extension and tap «Registra». Konto only receives the amount, merchant and card name of a payment that has already happened: it does NOT connect to your bank and never asks for banking credentials. The feature is optional.

YOUR PERSONAL FINANCES
• Transactions: income and expenses in order, by category and by month.
• Budgets: a limit for each category, so you see at once how much you spent and where you went over.
• Savings goals: a holiday, a car, emergencies. If you like, at the start of the month what you didn't spend from your budget moves to the goal you choose.
• Subscriptions and instalments: streaming, gym, loans and mortgage, with a 12-month forecast.
• Utility bills: electricity, gas, water and the rest of the home, with due dates and consumption. Take a photo of a bill and Konto fills it in.
• Trips: set the dates and Konto gathers the expenses of those days, with total, daily average and a PDF report.
• Analysis: where your money goes, by category, merchant and card.

ADDING IS QUICK
Dictate an expense in the app and the AI fills in amount, category and date, take a photo of a receipt, or import your bank's CSV: Konto categorises everything and spots likely duplicates.

FOR ITALIAN FREELANCERS (PARTITA IVA, ITALIAN RULES)
• Invoices and quotes with your logo, shared by link or PDF, with what you still have to collect in view.
• Clients and cash flow always at hand.
• In the Italian flat-rate regime (regime forfettario) Konto estimates substitute tax and INPS contributions and warns you as you approach the €85,000 threshold. Outside it, you see VAT payable and receivable quarter by quarter.
• Tax calendar: F24, INPS and tax returns with the days left, based on your legal form.
• Business trips: the expenses of a work trip become an expense report in PDF.

HOME AND WORK, SEPARATE
With Business + Personal you switch between household and business money with one tap: two accounts that never mix.

AI ASSISTANT
Konto AI helps you with budgets and goals, answers your questions and tells you where to find every feature.

OFFLINE, SECURE, YOURS
Konto works without a connection and syncs as soon as you are back online. Access is protected with Face ID. Your data is never sold and there are no ads. You can export everything or delete your account whenever you want.

TRIAL AND SUBSCRIPTION
Konto is free for 7 days after you sign up, with no payment details. After that, to keep using every feature, choose Personal, Business or Business + Personal, monthly or yearly: the price in your currency is shown before you subscribe.
The subscription renews automatically unless cancelled at least 24 hours before the end of the period. Payment is charged to your Apple Account when you confirm the purchase. You can manage or cancel it in your Apple Account settings.

GOOD TO KNOW
• Automatic expense capture works on iPhone. On a computer, Konto runs in the browser with the same account.
• Tax, VAT and INPS figures are estimates to help you set aside the right amount: they do not replace your accountant. Konto does not send electronic invoices to the Italian SDI.

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