Koino: Spending Journal

Koino is a spending journal you simply talk to. Write "coffee 3.50" or "Mercadona 42 euros" and it becomes a clean, categorized expense — no forms, no spreadsheets.

WRITE IT LIKE A MESSAGE • Plain-language entries in English or Spanish: amount, merchant, category and date understood for you. • Every category shows why it was chosen, and Koino learns from your corrections. • Snap a receipt or dictate it.

APPLE PAY, AUTOMATICALLY • Add a Shortcuts automation for Wallet and every card payment appears in Koino as "Purchase detected", ready to confirm.

SEE WHERE IT GOES • Insights with clear charts by category, merchant and week. • A spending calendar, a monthly budget and weekly targets. • Subscriptions detected from repeated charges, with upcoming renewals and price increases. • Ask in your own words: "How much did I spend on food in September?"

PRIVATE BY DESIGN • Your data lives on your device and in your private iCloud. No accounts, no bank logins, no ads, no tracking. • Smart features run with Apple Intelligence on your device when available.

EVERYWHERE YOU ARE • Home Screen widgets, Siri and Shortcuts. • Koino for Mac with a full journal table, synced through iCloud. • Multiple currencies with automatic conversion.

Koino includes a 7-day free trial. Then subscribe monthly or yearly to keep adding expenses; your history always stays readable.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: https://josegober.com/koino/privacy.html

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