EKO: Budget & Money Planner

Most budget apps tell you what you spent. EKO tells you what you can spend.

"Safe to spend" is one number, updated as the month progresses, that answers the
only question that matters on a Tuesday: can I afford this right now?

PENNY WRITES YOU A SENTENCE, NOT A DASHBOARD
Penny is the part of EKO that talks. Instead of another chart, you get one
short line on what changed since you last looked: what is safe to spend
today, how the budget is holding, which bills are still due and subscriptions are left to pay.

LIVES ON YOUR HOME SCREEN
Put the EKO widget on your home screen and get full control of your finances, without opening the app.

SEE WHERE THE MONTH ACTUALLY GOES
The money flow shows income moving into budgets, bills and goals in a
single picture, planned against spent. No spreadsheet, no reconstruction.

BILLS AND SUBSCRIPTIONS, FOUND FOR YOU
Connect a bank and EKO reads the recurring patterns itself: rent,
insurance, streaming, the gym you forgot about. You get a list, not a form.

GOALS THAT KNOW IF YOU ARE ON PACE
Give part of your monthly saving a job. EKO tracks progress in months and
in money, and tells you whether you are ahead, on track or behind.

ALSO IN EKO
- A budget planner with per-category budgets
- Transactions grouped by category, not one endless list
- Expense tracking across multiple accounts and multiple banks
- Light and dark, in 26 languages

FREE, AND WHAT PREMIUM ADDS
Every feature is in the free version. Premium adds one thing: connecting
your banks, so transactions arrive on their own instead of being typed in.
The tiers differ only in how many banks you connect.

Built in Sweden, for Europe, available across the EEA.