Your money. Finally clear.

From the App Store

Selected reviews, translated where needed. Originals are in Norwegian and English. Source: App Store screenshots provided on 28 October 2026.

Everything in one overview

Plan a practical budget, follow spending and subscriptions, forecast upcoming payments, set goals and see your net worth in one clear overview.

Private by design

Your financial data stays on your device. Automatic bank connection is available in Germany; other markets can use manual accounts and transaction imports.

Everything you need in one place

Twelve powerful capabilities that cover every aspect of your household's financial life.

Learn more

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Dashboard

Your financial command center: health score, budget pace, net worth, emergency fund, and AI-driven smart insights — at a glance.

Includes the 7-component Financial Health Score (0–100), budget pace indicators, upcoming payments calendar, prioritized action items, customizable section ordering, and guided onboarding.

Eight trend views: overview, actuals, categories, income, mortgage, net worth, cashflow, and budget vs. actual variance.

Daily spending calendar with real bank transactions, income vs. expense charts, category-over-time tracking, and interactive change-percentage indicators.

Three-layer budget tracking: budgeted → tracked → bank actuals, with auto-added mortgage, loan, and insurance payments.

Budget Pace Index predicts whether you'll land under, on, or over budget by month-end. Linked auto-budgets prevent double-counting between manual and automatic categories.

Real-time: assets minus debts, updated from your accounts, mortgages, and asset value history.

Interactive timeline (12M, 3Y, 5Y, 10Y). Track properties, investments, cash, vehicles. Shared-ownership percentages, exclude-from-net-worth flags, and account groups.

Multiple income sources with salary history, tax rates, overtime/bonus calculators, and after-tax projections.

Per-source pay frequencies (weekly, biweekly, semi-monthly, monthly, annual). Salary entries are time-aware so historical periods compute correctly.

Mortgages with rate history, amortization schedules, extra payments, interest-only periods, and combined debt insights.

Annuity and serial loans, effective annual rate calculation including fees, end/close-with-reason tracking, and budget-category linking.

12-tool planning suite: affordability, forecast, leverage, mortgage calc, cash runway, Monte Carlo, goals, and more.

Run 500-simulation Monte Carlo over 30 years. Custom scenarios with rate, income, and expense shock sliders. Risk metrics: liquidity runway, cashflow volatility, income concentration.

Manual and imported transactions with rule-based learning, transfer detection, and CSV import/export.

Categorize once — KRONO learns and applies the rule to all matching past and future transactions. Recurring detection, transfer pairing, split transactions, and Siri shortcuts.

Share budgets, net worth, loans, accounts, planner, and transactions with your household — synced privately through your own iCloud account.

Private invite link with automatic data handover, simultaneous-edit protection, offline mode with catch-up confirmation on reconnect, activity feed, and a Sync Now button.

Plan the big moments — a new child, a home purchase, a career break, retirement — and see the multi-year impact on your finances.

Stack multiple life events on the same timeline, adjust dates and amounts, and watch net worth, cashflow, and goal ETAs update instantly.

Beautiful monthly recaps of income, spending, savings, and net worth changes — with one-tap PDF export.

Share the PDF with your partner, accountant, or advisor. Nothing is uploaded — the report is generated on-device from your own data.

Safe to Spend, next bill, and today's spending on your wrist. Log a transaction in seconds without unlocking your phone.

Complications for the watch face, quick-add for spending, and glanceable balances that mirror your Home Screen widgets.

See it in action

Insightful Screens, Real numbers. Explore what managing your finances with KRONO looks like.

Explore the experience

Real screenshots from KRONO showing the features in action.

Health Score

7-component 0–100 health score with weighted breakdown and monthly trend.

Budget Insight

Three-layer tracking: budgeted, tracked, and transaction actuals with variance analysis.

Transaction Calendar

Daily spending calendar with actual bank transactions and monthly income/cost summary.

Category Breakdown

Income and cost categories with MoM and YoY change percentages.

Category Detail

Individual category drill-down with daily spending bars and 6-month trend.

Budget Quick Add

Fast budget input with category progress bars and quick adjustment controls.

Spending Trends

Monthly tracked spending with month-over-month comparison and fixed vs. variable cost split.

Income Projection

Future income projection based on salary growth rate with 10-year interactive chart.

Can I Afford It?

Simulate purchases against your budget with savings timeline and shortfall analysis.

Cost Cut Scenarios

Variable cost reduction scenarios (10–50%) showing timeline impact to reach your goals.

Get started in 5 steps

From zero to complete financial clarity in minutes.

Enter your salary, side income, and other earnings. Include tax rates for accurate after-tax calculations.

Add multiple income sources

Set tax rates per source

Track salary history over time

Add properties, investments, savings, and vehicles. Track mortgages and loans in the Loans tab.

Properties with market values

Investment accounts

Vehicle and other assets

Define monthly budgets for each spending category. Mortgages and insurance are auto-added.

Custom spending categories

Auto-added debt payments

Fill budgets from your logged data

Create accounts for everyday spending, savings, cards, cash, and assets — then import statements as CSV or add transactions in seconds.

CSV import & export

Rule-based learning categorization

Multi-account, multi-currency support

Use the 12-tool Financial Engine to run simulations, set goals, and get AI-driven insights to optimize your finances.

Run affordability simulations

Set and track financial goals

Get personalized recommendations

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How budget tracking works

Three values per category give you complete financial clarity.

Budgeted

Your planned spending limit for the month.

Tracked

What you've manually logged in the app.

Txn Actuals

What has actually cleared from your bank.

Remaining

Variance

Usage

budget

Budget Breakdown

budget used

Monthly Pace

Watch · Simple

Under Pace · Adjusted

Budget used:

Month elapsed:

Remaining:

By Category

+ Add

Account Budgets

3 account types

Sync Categories

Auto-create entries

Housing

Childcare

Food & Dining

Shopping

Transportation

Entertainment

Utilities

Health

Internet & Phone

Subscriptions

Income

Monthly

Annual

Monthly Take-Home

after tax · 3 sources

Annual Net

Gross Annual

Income Over Time

Net Worth

Total Equity

Assets

Debts

Your Accounts

Savings Account

High-Yield Savings

Checking Account

Powered by intelligence

Beyond tracking — KRONO analyzes, predicts, and guides your financial decisions.

Financial Health Score

A dynamic 0–100 score across 7 weighted dimensions: liquidity (25%), debt service (20%), savings rate (15%), fixed costs (10%), income stability (10%), insurance (10%), and retirement progress (10%).

Forecasts & Scenarios

24-month projections in base, conservative, and aggressive scenarios. Shock sliders for interest rate, income, and expense changes. Seasonality-aware modeling.

Insights Engine

30+ automated insight types across position, cashflow, debt, insurance, goals, and opportunities — each ranked by severity with monetary impact estimates.

Notifications & Alerts

Budget overspend alerts, daily pace updates, weekly summaries, and goal milestones. All notifications are processed locally — nothing leaves your device.

Budget Comparison

Compare current spending against last month or last year. Visual percentage indicators show which categories improved or worsened.

Monte Carlo Simulator

500-run stochastic simulation over 30 years. Returns success rate plus p10/p50/p90 net worth paths so you can stress-test your retirement plan.

What makes KRONO different

Built for people who want real financial control, not just another expense tracker.

Three-Layer Budget Tracking

Most apps show planned vs. spent. KRONO tracks budgeted → tracked → bank actuals with auto-merging that prevents double-counting between manual and automatic categories.

7-Component Health Score

A holistic 0–100 score weighted across liquidity, debt service, savings, fixed costs, income stability, insurance, and retirement — not just net worth.

12-Tool Financial Engine

From Can I Afford It? to a 500-run Monte Carlo over 30 years, a complete planning suite built into the app — your personal financial advisor.

Your data, your way

Manual accounts and CSV import for everything — everyday spending, savings, cash, crypto, and assets.

5-Language Localization

Fully localized in English, Norwegian, Spanish, German, and French — currencies, date formats, categories, and culturally relevant defaults.

Local-First Architecture

All financial data stays on your device, syncing privately within your household through iCloud.

Bank-grade security, zero compromise on privacy

Security & Compliance

Built on European regulation. Your data lives on your device — never on our servers, never sold, never shared.

KRONO never asks for bank credentials and never stores your financial data on a server.

Full data portability and erasure. KRONO AS is registered in Norway and follows EU data protection law by default.

All financial data stays on your device. When you use Family Sharing, it stays within your shared household — synced privately through your own iCloud account. Never on our servers.

Optional Face ID or Touch ID lock on app launch, with auto-lock after inactivity. Your choice — fully off, or always on.

iOS Data Protection (AES-256) plus Secure Enclave key storage. Even a stolen, unlocked device can't extract your data.

KRONO can never move money, change settings, or initiate payments. It only ever reads what you put in.

An insights engine that actually acts

30+ automated insight types — ranked by severity with monetary impact estimates and step-by-step guidance.

Position

Net worth trend, cash today, liquidity runway.

Cashflow

Fixed cost ratio, savings potential, spending drift, income stability.

Debt

Debt service ratio, interest burden, refinance opportunities, overpayment priority.

Insurance

Renewal alerts, missing coverage, duplicate policies.

Goals

Goal feasibility, conflicts, retirement gap analysis.

Opportunities

Top actions ranked by monetary impact across your finances.

Refinance opportunity detected

High impact

Your mortgage rate is 1.6% above current market. Refinancing could save approximately {amount}/year.

Compare offers from 2–3 lenders

Calculate break-even on closing costs

Lock the rate when you save ≥0.5%

Financial Engine

Today

Forecast

Leverage

Mortgage

Cash Runway

Next 30 Days

Goals On Track

Debt Stress

Medium

12-Month Cash Flow Projection

Top Actions

Build Emergency Fund to 6+ Months

High safety net impact

Reduce Debt-to-Income Ratio

DTI at 14.3x — moderate risk

See your future, before it happens

24-month forecasts with scenario shocks and Monte Carlo simulation — so you can stress-test life before life stress-tests you.

Base

Conservative

Aggressive

Rate shock

Income shock

Expense shock

Projected net worth · 24 months

Monte Carlo · 500 runs

Probabilistic paths of your finances over 30 years, adjusted for volatility in income, expenses, and market returns.

Pessimistic (p10)

Median (p50)

Optimistic (p90)

Cash runway

4.5 months

Goal success rate

Goals that actually finish

Set targets, track progress, and let KRONO project the date you'll cross the finish line — based on your real cashflow.

Emergency fund

6 months of essential expenses

House down payment

20% on a €450k home

Retirement

Target age 60 · 25× expenses

Family vacation

Summer trip · 4 people

ETA

/mo

On track

Behind

Ahead

Your finances on your home screen

Seven home-screen widgets keep your most important numbers one glance away — no app launch required.

Safe to Spend

Today's discretionary amount, liquid cash, and daily budget at a glance.

Live net worth with change indicator and a mini history chart.

Tap to log spending against any budget category in seconds.

Recent Transactions

Your last 5 transactions across all connected and manual accounts.

Upcoming Costs

Next 7 or 30 day recurring costs, salaries, and bill due dates.

Group Balance

Combined balance for an account group with a mini sparkline.

Days of cash remaining at your current spending rate.

Customization

Make KRONO yours:

Dark and Light themes with unique color palettes

Reorder sections on Dashboard, Budget, and more

Choose from 150+ currencies with correct symbols

Select your preferred date format

Enable Quick Add for fast transaction entry

Dark

Light

Settings & Configuration

Add and manage your accounts

Configure notification preferences

Select accounts for emergency fund

Tips for Best Results

Keep income sources up to date for accurate projections.

Import a CSV statement to fill a month in seconds.

Use budget fill actions to quickly update tracked amounts.

Review insights regularly for opportunities and risks.

dash

Stable

8pt this month

Budget used

Budget Pace

Savings Rate

On Budget

On Plan

Quick Stats

NET WORTH

TAKE-HOME

EMERGENCY

TRACKED

Emergency Fund

Target: 6+ months

Covers 4.5 months of essential expenses

trends

Trends Overview

Income

Spend

Net

Income vs Spend

Net Cashflow

Monthly Breakdown

Mortgage Payment

Total Debt Payment

Total Expenses

12-Month Trend

txn

All

Expenses

Grocery Store

Groceries

Healthcare

Home

Fuel

Transport

How KRONO compares to the alternatives

Most apps focus on either budgeting or planning. KRONO does both — built for European households first.

Feature

Unlimited manual & imported accounts

Privacy-first (no cloud sharing)

Full planning engine (Monte Carlo, scenarios)

Auto debt & insurance categorization

30+ automated insights

iOS-native, widgets, Siri shortcuts

Pricing

€7.99/mo

$14.99/mo

$13/mo

Simple, honest pricing

Start free with KRONO Free. Upgrade to KRONO Pro for everything. Billed by Apple — KRONO never touches your payment info.

KRONO Free

€0

Free forever — no trial clock, no card needed.

Yearly: €69.99 instead of €83.88 — about €5.83/month

forever

KRONO Pro

€6.99

/month

Full access — planning engine, Monte Carlo, and every insight.

Most chosen

Download on the App Store

Up to 3 accounts

Up to 2 loans

1 monthly budget

Data stays on your iPhone

Unlimited accounts with CSV import and manual entry

Three-layer budget engine with auto-categorization

Forecast, Monte Carlo simulations, and scenarios

30+ automated insights and the Financial Health Score

Goals, debt-payoff planner, and net worth tracking

Unlimited devices · iCloud sync · cancel anytime

Subscriptions are billed and managed by Apple. Cancel anytime in Settings → Apple ID. No data ever leaves your device unencrypted.

Independent. Built for households.

Built in Norway

KRONO is built by a small Norwegian team that believes your finances deserve more than a marketing funnel. No VC pressure, no data resale — just a tool we'd want our own families to use.

KRONO AS is fully founder-owned. We answer to users, not to advertisers or investors looking for an exit.

A simple Apple-managed subscription pays for development. We never sell, broker, or analyze your financial data.

Designed and built on the Norwegian west coast — under EU/EEA law and GDPR from day one.

KRONO AS · Org nr. 937 386 486 · Stavanger, Norway

Take control of your finances

Join thousands who track, plan, and grow their wealth with KRONO. Your complete financial command center awaits.

Get Started Free

Frequently asked questions

What is KRONO?

KRONO is a comprehensive iOS personal finance app that gives households real-time visibility into their complete financial picture — income, expenses, debt, assets, insurance, goals, and forecasting — all in one place. It supports 5 languages: English, Norwegian, Spanish, German, and French.

Is my financial data safe?

Yes. KRONO is privacy-first — all your financial data is stored locally on your device. You choose and govern who you sync with through your private iCloud household sharing. Bank connections use bank-grade encryption via SaltEdge Open Banking. Your data never leaves your device except for encrypted bank API calls.

How does the bank connection work?

KRONO connects via SaltEdge, a leading EU/UK Open Banking provider. This enables automatic transaction imports, rule-based categorization that learns from your selections, transfer detection between your own accounts, and recurring payment identification. You can connect multiple accounts across different banks.

What is the Financial Health Score?

It's a dynamic 0–100 score calculated from 7 weighted components: liquidity buffer (25%), debt service ratio (20%), savings rate (15%), fixed cost ratio (10%), income stability (10%), insurance adequacy (10%), and retirement progress (10%). The score updates monthly with trend indicators, and weights are redistributed if data is unavailable for any optional component.

What makes the budget tracking unique?

Unlike most apps that only show planned vs. spent, KRONO uses three-layer tracking: Budgeted (your plan), Tracked (what you've manually logged), and Txn Actuals (what your bank confirms). Mortgages, loans, and insurance create auto-budget categories that link to manual ones to prevent double-counting. The Budget Pace Index predicts month-end outcome from day-of-month progress.

What is the Financial Engine?

The Engine is a 12-tool planning suite: Today overview, 24-month Forecast, Leverage analysis, Mortgage calculator, Cash Runway, Income Simulator, Investment Calculator, Insurance management, Goals tracker, AI Recommendations, Risk Assessment, and Monte Carlo simulation (500 runs over 30 years with success-rate, p10/p50/p90 paths).

Can I use KRONO without a bank connection?

Absolutely. You can create manual accounts for cash, crypto wallets, emergency funds, or anything not on Open Banking, with full transaction tracking. The app works great with manual entry alone, though connecting a bank enhances the experience with automatic imports and categorization.

Does KRONO support widgets?

Yes — 7 home-screen widgets: Safe to Spend, Net Worth (with mini chart), Budget Quick Add, Recent Transactions, Upcoming Costs (7/30 day), Group Balance, and Cash Runway.

What currencies and languages are supported?

KRONO supports 5 fully localized languages: English, Norwegian, Spanish, German, and French. It supports 150+ currencies with correct symbols, with locale-appropriate date formats and pre-loaded categories.

Can I export my data?

Yes — KRONO supports CSV import and export plus full JSON data export. You can move your data in and out at any time. Your data belongs to you.

How do I manage my personal finances?

Start by getting a single, honest view of every account — income, spending, debt, and assets — then set a realistic budget and review it monthly. KRONO does this automatically: connect your banks via Open Banking, let the app categorize transactions, and use the 3-layer budget (Budgeted / Tracked / Txn Actuals) to see where you actually stand. The Financial Health Score and 24-month Forecast turn raw numbers into clear next actions.

What is the best way to manage personal finances?

The best system is one that updates itself. Spreadsheets work until you stop opening them. A modern Open Banking app like KRONO continuously pulls real transactions, tracks fixed costs and debt servicing, projects your cash runway, and flags risks before they hit — all locally on your device, with no cloud storage of your financial data.

What is the best app to manage personal finances in Europe?

For European households, the best personal finance app is one that supports PSD2 Open Banking across multiple countries, respects GDPR, and works in your language and currency. KRONO connects EU and UK banks via Salt Edge, supports 150+ currencies and 5 languages, keeps all data on-device, and replaces Excel with automatic categorization, budgeting, forecasting, and a Financial Health Score.

Why I built Krono

My name is Thomas, and I’m the founder of Krono.

I’ve long been interested in personal finance and how loans, savings, investments and everyday spending fit together. Yet I never found a single solution that gave me the full picture. So, like many others, I ended up using Excel.

Spreadsheets helped me keep track, but they needed constant updates, transaction imports and formula maintenance. I wanted to spend more time understanding my finances and less time keeping everything up to date.

That’s why I built Krono: an app that brings accounts, loans, budgets, net worth and financial analysis together in one place. My goal is to give you the overview I was missing.

Trust was essential from the start. I know that letting an app into your personal finances is a big decision. That’s why I built Krono with respect for your privacy and one simple principle: your data belongs to you.

I’m continuing to develop Krono and would love to hear your questions and suggestions.