No bank login. Ever.
Know what’s safe to spend today.
No bank login. No spreadsheets. Just one number every morning that tells you how much you can spend without wrecking the month.
- Cancel before day 7, pay nothing
- Cancel from Settings
An example of the app on a phone: logging a $14 lunch drops what’s safe to spend today from $57 to $43.
- Your bank password never touches us
- Works in 8 currencies
- Export everything, any time
The problem
It’s the 20th.Where did it all go?
Budget apps want your bank password, then drown you in charts. Spreadsheets die by week two. So you guess, overspend, and promise to do better next month.
How it works
Three steps. Ten seconds a day.
- 01
Add your income.
Oykot splits it into needs, wants and investments. 50/30/20, or your own split.
- 02
Log what you spend.
One tap, amount, done. Takes about 3 seconds.
- 03
Check your number.
Safe-to-spend updates every day, so you always know what's left.
Privacy
Private by design.Not by promise.
Most budget apps link to your bank and read every transaction. Oykot never asks. You decide what goes in, and none of it is ever sold or shared.
- No bank linking, ever
- No selling or sharing your data
- Delete your account and everything goes with it
Features
Everything you need. Nothing you'll ignore.
Daily safe-to-spend.
One number, recalculated as you go. Spend less today and tomorrow’s gets bigger.
Spending pace.
See if you're ahead or behind before it's too late.
Needs, wants, investments.
Budget each group against your target.
Your currency, your dates.
8 currencies and the date format you actually write.
- INR
- USD
- EUR
- GBP
- AUD
- CAD
- SGD
- AED
Lend, borrow, settle up.
Who owes whom, in words, not minus signs. It counts in the month it happens.
Compared
How it compares.
| Feature | Oykot | A bank-sync app |
|---|---|---|
| Bank login required | Never | Yes |
| What it can see | Only what you log | Every transaction |
| Daily safe-to-spend | Yes | Sometimes |
Pricing
One plan. Everything in it.
Free for 7 days. Cancel before day 7 and pay nothing.
Monthly
Month to month. Cancel whenever.
billed monthly
Card required. Cancel before day 7 and pay nothing.
What’s in it:
- Budget every category, every month, against your 50/30/20 target
- Daily safe-to-spend and spending-pace charts
- Monthly and yearly views with savings trends
- Lend, borrow and track who owes whom
- Monthly repeats, with bills set aside before they're due
- Net worth across accounts and assets, over time
- Your currency and date format
- Export everything, any time
Full refund inside 7 days of your first charge.
Yearly
4 months freeBest value. One charge a year.
that’s $4.92 a month
$95.88 if you paid monthly
Card required. Cancel before day 7 and pay nothing.
Everything in Monthly, plus:
- 4 months free, against paying monthly
- Full refund inside 14 days
- Your price is locked for as long as you stay
- One charge a year, nothing to remember
FAQ
Questions, answered.
Everything worth knowing before you start.
Why no bank sync?
Because your money data is yours. Manual logging also makes you notice every spend, and that's half the point.
Isn't manual logging a pain?
It's one tap and an amount. Faster than unlocking your banking app.
Can I export my data?
Any time, from Settings. Your transactions as a CSV for a spreadsheet, or everything as JSON.
What happens after the trial?
Your card is charged when the 7 days are up. Cancel from Settings before then and you pay nothing.
Stop guessing. Start knowing.
No bank login. Cancel before day 7 and pay nothing.