The finance app that lives on your device. No cloud. No ads. No nonsense.
📊 Budget IQ
🎯 Goal Tracker
📈 Investments
🔥 Daily Spend
✦ AI Advisor
🔔 Smart Alerts
🌍 32 Currencies
🔒 Zero Servers
100% on your device · No account needed · No data sold · Ever
No signup · No sync · Just math that works
Step 1 of 4
First, the basics — who are you?
No email required yet. Just your name, where you're based, and some basics.
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Detecting cost of living…
🔒 Stays on your device forever
Step 2 of 4
Money in, money out.
Be honest — this is the foundation. Round numbers are fine.
INCOME
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HOUSING
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LIFESTYLE
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FAMILY EXPENSES
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LOANS (if any)
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% p.a.
🔒 Stays on your device forever
Step 3 of 4
Where your money works for you.
Tap each investment type that applies. Enter your monthly amount. Zero is fine.
FINANCIAL GOALS
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months
All investments optional
Step 4 of 4
Stay in the loop — on your terms.
Completely optional. Drop your email and we'll only send you product updates — no spam, no marketing, just updates and a gentle nudge when we have something new for you.
We do not spam. We only send product update notifications and the occasional helpful nudge — so you never forget we're here for you. Unsubscribe anytime.
📲 Push Notifications
Get real-time alerts — budget warnings, goal milestones, daily tips — even when KŌIN isn't open. No account needed.
🔒 Your data, your rules
Everything — every number, every goal, every spend — lives only in this browser on this device. If you give us your email, it's only used to notify you about KŌIN updates. Nothing else. Ever.
You can update everything inside KŌIN ✨
KŌIN
Zero Servers · Private
🌍 USD
🔔 Alerts 0
K
↺
GOOD MORNING
Welcome
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Total monthly income
SAFE TO SPEND
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INVEST MONTHLY
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EMERGENCY RESERVE
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FIXED EXPENSES
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Income vs Spending
💰 Total Income
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🏠 Fixed Expenses
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📈 Investments
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✨ Net Surplus
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Savings Rate
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Expense Breakdown
📍 Cost of Living —
🔔 Latest Alert
Log Today's Spend
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Today's Total
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vs daily budget
Month-to-Date
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of flexible budget
Today's Transactions
Add New Goal
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Investment Portfolio
Loan Overview
Net Worth Snapshot
MONTHLY SURPLUS
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TOTAL LOAN BURDEN
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MONTHLY INVESTED
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SIP Calculator
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%
yrs
CORPUS AT MATURITY
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Enter values above
Retirement Calculator
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%
CORPUS NEEDED
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Enter values above
Goal Reverse Calculator
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months
%
MONTHLY NEEDED
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Enter values above
Loan Prepayment Simulator
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% p.a.
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Enter loan details above
🧬
KŌIN Intelligence
● Online · Analyzing your financial DNA
🔒 Identity stripped · Only totals sent
FINANCIAL HEALTH SCORE
0
OUT OF 1000
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Score Breakdown
💡 Recommendations
🔔 Alerts & Insights
🔔
No alerts yet — we'll notify you when something needs attention.
📲 Push Notifications
Get real-time budget warnings, goal milestones and daily tips — even when KŌIN isn't open. No account needed.
DATA ARCHITECTURE
How KŌIN Cannot See Your Data
Not a privacy policy — this is the engineering reality.
🧱
localStorage only. Everything lives in your browser's sandboxed storage. No server, no person, no other site can access it — ever.
🌐
Live FX rates are anonymous. Only a currency code hits the rates API. Zero financial data included.
🎭
AI gets numbers, not identity. Name, city, age stripped before every AI call. The AI sees totals, not you.
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Delete = gone forever. localStorage.clear() runs locally. No recovery because no copy exists anywhere.
CHANGE CURRENCY
Switch Currency
Rates from Frankfurter API
● Live rates
YOUR PROFILE
Edit Profile
Update your personal info and income details.
INCOME
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EXPENSES
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SMART ALERTS
Notification Settings
Manage which alerts you receive.
🗑️
Reset Everything?
This wipes your entire KŌIN profile — all data, goals, history, chats. Gone. Irreversible.