Koino
LiveEvery payday, accounted for.

What’s on screen
- Personal finance ledger. Every payday, accounted for.
- Pick up where the month left off.
- Ledgers · All ledgers
- New ledger: pick the month and the cutoff, carry over the surplus.
- New expense: Electricity, under Utilities.
- November 2026: where the money went.
- Insights: your money across 2026.
- Koino. One ledger per payday cutoff. Every payday, accounted for.
A personal finance ledger built around payday cutoffs. Keep one ledger per cutoff, log income, bills and savings, and see the month in one view. Sign in with Google or GitHub.
the kind of thing a Custom Build buysOpen Koino ↗real, live, clickable ←
What it does
- One ledger per cutoffGenerate the first or second cutoff of any month. Recurring items from your defaults are already in it.
- Income, bills, savingsThree kinds on one screen. Mark each item cleared, pending or scheduled.
- The month in one viewNet balance and where the money went per cutoff, then totals, categories and trends across the year.
Built with
More screens

Insights: the year’s totals, income by source and the top expense categories. 
Ledgers: the current cutoff and what is safe to spend, beside the recent ones. 
One ledger: income, bills and savings, each item cleared, pending or scheduled. 
Settings: the recurring items that seed every new ledger. 
The landing page, with a sample cutoff.