Free budget & net worth tracker
Know your money.
Grow your wealth.
Track spending in seconds, see every account in every currency add up to your real net worth, and follow a clear plan to pay off debt, save more or reach FIRE. Ginkou turns it all into a little island you'll actually want to check.
Net worth
🏦 Checking, savings and cash
What you get
Track spending in seconds
Import your bank statement, or add an expense in three taps.
Net worth in every currency
Accounts, cards, loans, property, crypto and gold, in one total.
A plan for your goal
Debt-free date, FIRE number, savings goals and budgets.
Private and free
No ads, no premium tier. Your data stays on your device.
How it works
Five steps to
your real net worth
Set up in a few minutes, then stay on top of your money in a few seconds a day.
Your goal
🥊 Crush my debt
Card −$3,200 left
Net worth
Step 1
Pick what you're working toward
You want to crush your debt. Coach Bruno takes your corner, and every card and loan becomes an opponent you knock out one payment at a time.
Step 2
Add what you have and what you owe
Bank accounts, cards, cash, loans, your mortgage, your home and car, investments, crypto and gold, each in its own currency, starting from what your bank shows today.
Step 3
Log money in seconds
Import a statement from your bank, or add an expense in three taps, even one paid in a foreign currency. Recurring bills and paydays show up in your Due list on the day, so nothing slips.
Step 4
See your debt-free date
Pick the snowball or avalanche plan and Ginkou shows the month you'll be debt-free. Every extra payment pulls that date closer and saves you interest.
Step 5
Pay it off for good
No more interest, no more minimum payments. The money that used to go to the bank every month is yours again.
Your counselor
Pick a goal. Meet your money buddy.
Pay off debt with the snowball or avalanche method, find your FIRE number, fill savings goals or give every coin a job. Each goal comes with its own counselor and its own way of showing your progress, and you choose how they talk to you, from gentle to tough love.
Coach Bruno
BulldogEvery payment is a punch.
Former champ, now your corner man. Your debts are opponents — and he's never lost a fight he trained for.
Signature move
Debt Boss Battles
Each debt is a boss. Payments deal damage; interest heals it.
Try the free debt payoff calculator“”
Multi-currency, for real
Every currency, one net worth
Paid in dollars, saving in euros, family money in reais, a little Bitcoin and a gold coin from grandma. Each wallet keeps its own currency, and your total adds up in the one you choose.
Your wallets
Checking
USD
$3,240.00Savings in Lisbon
EUR
€8,900.00≈
$10,015$10,015 Conta no Brasil
BRL
R$12,500.00≈
$2,394$2,394 Bitcoin
BTC
₿0.12≈
$10,142$10,142 Gold coins
XAU
2 oz≈
$8,275$8,275 Credit card
USD
-$1,850.00
Net worth in USD
Your main currency. Switch it any time:
Every wallet keeps its currency
A euro account stays in euros. Your total converts to whichever currency you pick, and you can switch any time.
Spend abroad, see what it really cost
Paid €20 on your dollar card? Log what the bank charged, $21.63, and the original €20 is kept beside it.
Transfers keep both sides
Moving money between currencies records both amounts, so the real rate you got is never lost.
Crypto and gold, valued for you
Bitcoin, Ethereum, gold and silver are priced with fresh daily rates, and it all works offline too.
Try it right here
Track spending in three taps
Bring in your history from a bank statement, then add new spending as it happens. An expense takes about five seconds, and seeing what it really cost is the first step to spending less.
- 1Type the amount
- 2Pick a category
- 3Save, and your balance updates
Pops turns every price into hours of work at your own hourly rate, so a $12 lunch becomes 36 minutes of your day.
Checking
Free calculators
A free tool for every goal
Work out your number in seconds, no sign-up needed. Then let Ginkou keep it up to date with your real accounts, in any currency.
- Start savingEmergency fund calculatorHow big your safety net should be, and the month it's full.Try it free
- Crush my debtDebt payoff calculatorYour debt-free date and interest, snowball vs avalanche.Try it free
- Reach FIREFIRE calculatorYour FI number, Coast FI and the age work becomes optional.Try it free
- Manage my wealthNet worth trackerEverything you own minus what you owe, in any currency.Try it free
- Get organizedBudget plannerA 50/30/20 or zero-based budget, and what's safe to spend today.Try it free
- Save for a dreamSavings goal calculatorWhat to save each month for a trip, a home or a wedding.Try it free
What makes it different
Why people switch to Ginkou
Most money apps
Ginkou
Red bars and a guilty feeling
A counselor built around your goal
A spreadsheet you fill in by hand
Import your bank statement, duplicates skipped
A monthly subscription
Free. No ads, no premium tier
One currency, maybe two
Every world currency, plus crypto and gold
Your data on their servers
Stays on your device. Sync only if you want it
A chart you never open
Your net worth as a place you want to visit
Questions
Good questions, honest answers
What is Ginkou?
A free budget app, expense tracker and net worth tracker in one. You log spending in a few taps, add your accounts, debts and assets in any currency, and follow a plan for your goal: paying off debt, saving, reaching FIRE or a big dream. The island and the counselors make checking your money something you look forward to.
Is Ginkou really free?
Yes. There's no subscription, no premium tier and no ads.
Do I need to connect my bank?
No, but it helps. Export a CSV statement from your bank and import it: Ginkou maps the columns, guesses the categories and skips anything already there, all on your device. Automatic bank connections are on the way, starting with Open Finance in Brazil. You can also just log spending yourself in about three taps.
Where is my data stored?
On your device, in your browser's storage. It works offline. If you create a free account, your data also syncs securely between your devices. You can export everything or delete your account at any time.
Which currencies does it support?
All 160+ world currencies, plus crypto like Bitcoin and Ethereum and metals like gold and silver. Each wallet keeps its own currency, and your totals convert to the one you choose.
Can I use it on my phone?
Yes. Ginkou runs in any modern browser. Add it to your home screen and it opens full screen like an app, even with no connection.
Can it help me get out of debt?
Yes. Add each card or loan with its interest rate and minimum payment, choose the snowball or avalanche method, and Ginkou shows your debt-free date and how much each extra payment brings it closer.
Does Ginkou have free calculators?
Yes, one for each goal, all free: an emergency fund calculator (ginkou.app/emergency-fund), a debt payoff calculator with snowball and avalanche (ginkou.app/debt-payoff), a FIRE calculator (ginkou.app/fire), a multi-currency net worth calculator (ginkou.app/net-worth), a budget planner (ginkou.app/budget) and a savings goal calculator (ginkou.app/savings-goal). In the app each one stays up to date with your real accounts, in any currency.
I used Mint. Is Ginkou a good alternative?
If you liked seeing everything in one place, yes. Import your bank statements to bring in your history, add new spending in seconds, and get budgets, net worth, debt payoff and goals on top.
Is this financial advice?
No. The counselors are friendly characters that help you see your own numbers and build habits. They don't know your full situation, so for big decisions talk to a licensed professional.