Stop tracking where your money went. Start planning where it's going. Xonoko helps you save for the projects that matter - your first home, that dream vacation, or your children's education.
More than a budget tracker - a complete system for building your financial future
Create visual savings goals for life's big moments. Track progress toward your house down payment, vacation fund, or education savings with clear milestones.
Set spending limits by category and get real-time feedback. Know exactly where you stand at any moment, not just at month's end.
Connect your checking, savings, and investment accounts. See your complete financial picture in one place.
Secure connections to banks in Europe and the US. Your transactions import automatically, so you can focus on your goals.
Smart automation that saves you time without taking control away
Transactions are automatically sorted into the right categories. The AI learns your preferences and gets smarter over time.
See upcoming recurring charges before they hit. Plan ahead with confidence knowing what's coming.
Get personalized recommendations for categorization rules, savings goals, and ways to optimize your budget.
Review every transaction, just the flagged ones, or let AI handle everything. Choose what works for your style.
All your financial data is stored in European data centers, managed by European companies. Full GDPR compliance.
Built by someone with ADHD who understands that one size doesn't fit all
Choose your involvement level: review all transactions manually, focus only on unusual ones, or let AI categorize everything automatically.
Get alerts daily, weekly, or at a specific time that works for you. Or turn them off completely - no judgment.
Clean interface, clear priorities, and the ability to handle things in batches when you're ready - not when the app demands it.
"I built Xonoko because I couldn't find an app that helped me plan for the future, not just track the past. As a solo developer with ADHD, I needed something flexible that wouldn't become another source of guilt. If you've felt the same way about budgeting apps, Xonoko might be what you're looking for."
Choose the plan that fits your financial life
Perfect for getting started with intentional budgeting
For those with a bigger financial picture to manage
Built by one person, funded by users, no investors. Your subscription keeps the lights on.