Know what's
actually yours.
Most apps tell you where your money went. Kroku subtracts everything still coming, from rent to subscriptions to the trip you already agreed to, and shows what's genuinely left to spend. On your own, or with the people you split life with.
- Free forever
- Your data stays yours
- No bank login required
Then it does the maths for you.
Add what you have
Cash, bank, savings or crypto. Every account in one place, in any currency. Import a bank statement if you'd rather not type.
Tell it what's coming
Rent, subscriptions, salary, that flight in October. Budgets and goals too, alone or with your people.
See what's actually left
Kroku does the subtraction and keeps doing it, every day, for this month and the next.
Built for the whole month, not the receipt.
Wallets
Any currency. One honest total.
Budgets and alerts
A quiet nudge at 80%, not a lecture at 120%.
Group pots
Trips, flats and festivals. Everyone sees the same number.
We never ask for your bank login.
Most budgeting apps want your online banking credentials. Kroku doesn't, which means there's nothing here for anyone to steal. You decide what goes in, and it stays yours.
No banking credentials, ever
Kroku has no connection to your bank. Nothing to phish, nothing to leak.
Stored in the EU, locked to you
Encrypted Postgres hosted in the European Union, with database-level rules that make your rows readable by you alone.
Cards handled by Stripe
Payments go straight to Stripe. Kroku never sees or stores a card number.
Yours to take or delete
Export to CSV, PDF or Excel whenever you want. Delete your account and the data goes with it.
Questions people actually ask.
Find out what you can actually afford.
Four minutes of setup. After that Kroku keeps the maths up to date for you.
Free forever. No card. Export or delete everything in one tap.