Budgeting as a couple or family
A shared budget starts with shared understanding: bills, everyday spending, debts and savings goals. KRONO supports optional household sharing through your private iCloud; you can also plan on one iPhone.
KRONO AS · Updated:
Get started in five steps
1. Add current, joint and savings accounts. 2. Enter rent, utilities, insurance, subscriptions and loan payments with due dates. 3. Set monthly reserves for annual costs. 4. Agree everyday limits for food, travel, leisure and children. 5. Review income, spending and progress together each month.
Worked example: a couple with a child
Illustrative figures, not a recommendation, statistics or app data: €4,800 take-home income; rent €1,450; utilities and internet €280; monthly insurance €190; reserve for a separate annual policy €100; holiday reserve €200; food €650; transport €320; child costs €250; loan €300. Total €3,740, leaving €1,060 for leisure, savings and a buffer.
Plan irregular bills deliberately
A €1,200 annual policy means a €100 monthly reserve; a €2,400 holiday target means €200. This is a planning method, not automatic distribution of actual bills. Do not count the same insurance payment twice.
What household sharing means
The product description lists shared budgets, assets, debts, accounts, plans and transactions through private iCloud. KRONO does not promise automatic 50/50 settlement, individual permission levels or reimbursements between people. No unverified Free-tier or non-iPhone access promise is made here.
Keep loans in the right place
The full payment belongs in cash-flow planning; remaining debt belongs in net worth. Free includes up to 3 accounts, 2 loans and 1 monthly budget. Check sharing eligibility in the app before relying on a plan.
Country availability and pricing
Automatic bank connection is available only in Germany. Elsewhere, use manual accounts and CSV import.
Free forever: up to 3 accounts, 2 loans and 1 monthly budget. Pro: €6.99/month or €69.99/year in euro countries; App Store prices can vary by country.
Start with KRONO Free
Add your own figures and check which features fit your needs.
KRONO for iPhone (iOS) · Free: €0 · Pro: €6.99 per month or €69.99 per year in euro countries. Prices can differ by App Store country.
Automatic bank connection is currently only available in Germany. Elsewhere you add accounts manually or import transactions from a CSV file.
| Area | In KRONO | Limit |
|---|---|---|
| Net worth | Assets minus debts | Update manual values; no automatic property valuation |
| Cash flow | Income, expenses and loan payments | Only principal reduces debt |
| Forecast | Financial forecast up to 24 months; payments 7 days to 3 months | Based on your inputs, not a guarantee |
| Household | Optional private-iCloud sharing | No automatic settlement or verified Free sharing access |
| Bank connection | Germany only; manual or CSV elsewhere | Pro does not extend country availability |
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Frequently asked questions
Does KRONO settle expenses between partners?
No automatic split, settlement or reimbursement service is promised.
Can we budget without sharing?
Yes. You can maintain the household plan on one iPhone.
Do we need bank connection?
No. Use manual accounts or CSV; bank connectivity is offered only in Germany.