Budget app without bank access: manual accounts and CSV
You can organise your spending without giving an app access to your bank. In KRONO, enter transactions yourself or import a CSV statement, then plan from those records.
KRONO AS · Updated:
Choose how to add transactions
Create a current account, cash account or card account and enter opening balances. Add income and spending manually, or export transactions from your bank as CSV when that option is available.
Check imports rather than assuming they fit
Review dates, decimal separators, currencies and income/expense signs. Check a purchase and a transfer after import. A date range helps control what you import; it is not proof of automatic duplicate detection.
Keep the planning benefits
Budget categories, recurring costs, savings goals, net worth and forecasts can use manual data. Individual feature access depends on the plan. A useful projection needs current balances and complete bills.
No automatic sync outside Germany
Bank connectivity is available only in Germany. Manual accounts and CSV import are the normal workflow in other markets. How you download a CSV varies by bank; a compatible export is not guaranteed for every institution.
Build a routine you can maintain
Update balances regularly, enter known bills and review the month before planning the next one. Export important records before deleting the app; household sharing through private iCloud is optional.
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 manual entry make the forecast different?
It changes how data arrives, not the need for accurate balances, income and bills.
Can I import a spreadsheet?
Export it as CSV and check the columns and amounts in KRONO.
Do all banks offer CSV?
No guarantee is made here. Check your bank's export options.