Money planning, on the App Store
Know what is actually safe to spend
ksak takes your balance, subtracts the bills that are coming, and tells you what is left for today. No guessing before you pay.
How it works
One number for today, worked out from your whole month
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01
Add your bills once
Rent, subscriptions, salary: add each one with how often it repeats. ksak puts every future payment on its date.
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02
ksak plans the month
Your balance, plus income that is expected, minus bills that are planned and money you set aside for goals. That is your planned balance.
-
03
You get Left to spend
The planned balance, divided by the days left. It drops as you spend today, and tomorrow's amount is worked out again.
Try it
Work out your Left to spend
Put in rough numbers for this month. Nothing leaves this page.
Left to spend today
26.33USD
Tomorrow: 37.27 a day for 11 days.
Breakdown
- Current balance
- 1 240.00
- Expected in
- +0.00
- Planned out
- -680.00
- Reserved for goals
- -100.00
- Planned balance
- 460.00
- Divided by 12 days
- 38.33 a day
Plan
See the month before it happens
Plan shows where your balance ends up this week, this month, next month, or 3 and 6 months out.
- Solid is real, dashed is planned. Bills that haven't happened yet look different from money that has moved.
- Needs action comes first. Overdue and due-soon items show Skip and Mark as paid right on the row.
- Changing a repeating bill asks first: only this one, or all future payments. Past payments stay in Activity.
Accounts
Each account answers its own question
Everyday money, a business, savings, investments and loans each get the Home screen that fits them.
What can I spend today?
Left to spend for today, this week or this month, with your balances in every currency underneath.
- Budgets per category, weekly or monthly
- Upcoming bills and income
- Recent activity and a daily money tip
Everything else
The rest of your money, in one place
Every currency
Keep accounts in several currencies. Pick a primary one; totals convert at current rates and say (approx).
Recurring
Add a bill or salary once. Each payment appears on its date and asks to be marked as paid or received.
Budgets
Weekly or monthly limits per category. Rows say Left or Over in words, not only in color.
Goals
Save toward a target and reserve it in planning, so Left to spend never counts money you put aside.
Activity
Search everything. Filter by dates, currency, category, recurring or transfers, and see the period's net.
Insights
Spending, income and net by day, week, month or year, with your categories ranked.
Transfers and exchanges
Move money between your accounts, or from one currency to another, with the rate shown.
Streaks and recaps
A daily streak, achievements, and weekly and monthly recaps that keep the habit going.
Reminders
A daily log reminder, a heads-up the day before bills and income, and alerts when data isn't syncing.
PIN, Face ID and hidden balances
Lock the app, and hide every amount with one tap, in the app switcher and widgets too.
Widgets
A daily money tip on your Home Screen.
Export any time
Transactions, accounts, categories and recurring rules as CSV. Always available, even if your subscription ends.
From the App Store
People who stopped guessing
★★★★★
Tried 6 apps. This one stuck. I finally know where my money goes.
@blu.daze42★★★★★
Saw what I spent on eating out in week one. Embarrassing, but life-changing.
@notxander★★★★★
Worth every dollar. Found forgotten subscriptions in my first month.
@zk_99v★★★★★
The trends view showed my coffee spending creeping up every single week. That alone paid for premium.
@lena.wraps★★★★★
Planned showed me the exact week rent, subscriptions, and groceries would collide. I stopped guessing.
@narewrites★★★★★
Seeing the month before it happened made this app worth it. No more surprise low-balance days.
@mirotrack★★★★★
The planned balance screen is the first budgeting view that actually feels actionable.
@anidrafts★★★★★
Multi-currency support is exactly what I needed. I earn in EUR and spend in USD. Finally makes sense.
@karinj★★★★★
Catch the pattern before it becomes the month. One glance saved more than I thought.
@arminknows★★★★★
Fast to log, easy to understand. I actually kept using it past week one. That's rare.
@simonp
Pricing
One subscription, everything included
Every account type, Plan, Breakdown, Insights and sync. No locked features, no free tier.
Yearly
Best value$29.99 a year
$2.50 a month, billed yearly
Monthly
$3.99 a month
First month discounted
Prices in US dollars; the App Store shows the price for your country. Cancel any time in your Apple subscription settings. Bought lifetime access before? You keep everything.
Your data
What happens to your data
On this device, or synced
Use ksak without an account and your records stay on your device. Sign in with Apple, Google or an email link to back up and sync.
Analytics without your amounts
Usage analytics help us improve the app. The app's analytics events don't include your amounts, balances, notes, account names or email.
Yours to take or delete
Export your data as CSV, or delete it from the app. We do not sell your financial records.
Stop guessing what is safe
Add your bills once, and know every morning what today can hold.
Download on the App Store