Plan assets, debts and cash flow together
Net worth is a stock: assets minus debts. Cash flow is a flow: income minus expenses over a period. KRONO shows both on your iPhone and helps you plan with the figures you enter.
KRONO AS · Updated:
A month you can follow
Example calculation, not statistics or customer data: €3,200 income − €1,200 rent − €600 living costs − €200 insurance − €300 loan payment − €300 other spending = €600 left. Moving that surplus to your own savings account is not extra consumption.
What a loan payment really changes
Illustration, not a real loan: a €300 payment contains €220 principal and €80 interest. Cash falls by €300, debt falls by €220, and net worth falls by the €80 interest from this payment. Principal alone does not change net worth.
Prepare your forecast
Update account balances. Enter regular income with dates, fixed bills with due dates and the full loan payment. Plan reserves for irregular costs; dividing a yearly bill by 12 is a budgeting method, not a promise that KRONO automatically spreads it.
Separate a projection from a guarantee
The financial forecast extends up to 24 months; the separate payment forecast covers 7 days to 3 months. Missing bills or stale balances make either less useful. Update your plan when your pay or interest rate changes.
Know when to use another tool
KRONO cannot predict unknown repairs, market prices or future salaries. Mortgage, pension and investment decisions need separate calculations and, where appropriate, qualified advice.
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
Do loan payments count in cash flow?
Yes, the full payment. Only its principal portion reduces outstanding debt.
Is a transfer between my own accounts income?
No. It is neither new income nor consumption.
Do I need bank connection for forecasts?
No. Outside Germany, use manual accounts or CSV imports; bank connectivity is Germany-only.