KKoin

Budgeting with the envelope method

Give every dollar a job.

Koin is your all-in-one money home: expenses, paychecks, savings, debt and monthly reports, built around the envelope method so your income is split into purpose-built accounts the moment it arrives.

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  • Your household's data stays private to you
  • Shared with your household, nobody else

How Koin saves your money

The envelope method, without the paper envelopes

The old idea still works: when money comes in, divide it into envelopes, one for each thing it is meant for, and spend each only on its own purpose. Koin does the dividing for you.

  1. 1

    Set up your accounts

    Make an account for each goal: bills, emergency fund, vacation, debt. Give it a fixed amount or a percentage of what you take home, and an optional target and date.

  2. 2

    Income gets split

    Each month Koin works out your net income and shows how much belongs in every account, so the plan is made before the money is spent.

  3. 3

    See what is left to move

    Your monthly report lists what is still left to deposit into each account, and you mark the transfer Pending or Completed when it is done.

Everything your household money needs

One place for the whole picture, shared with the people in your household and with no one else.

Expense tracking

Import bank files, categorize in a click, and let your own rules file the repeat charges for you.

Income and paychecks

Record paychecks and taxes, track time punches, and see what you really take home.

Monthly reports

A clear picture of income, spending, budgets and what is left to move, month by month and year by year.

Debt tracking

Keep every debt account in view, log payments, and plan the way down.

Auto-assign rules put charges like “PP*SPOTIFY*…” in the right category, even when the text is never identical.

Bill Split

Share costs fairly, with anyone

A trip, a dinner, a shared house. Create a Party, add what everyone paid, and Bill Split keeps track of who owes whom.

  • Invite people by email; they only ever see that one Party, never your finances.
  • Split evenly or any way you like, with a history of every change.
  • Use it on its own: a Bill Split account needs no household and no plan, and can grow into full Koin later.
Start a Party

Invoice Desk

Log your time. Send the invoice. Get paid.

Invoice Desk is built for consultants and freelancers: it runs your billing inside Koin, from the first minute logged to the day the payment lands.

  • Track billable time

    Log work by client, remote or onsite, with optional rounding per client.

  • Professional PDF invoices

    Your business details and footer, striped line items, and your own wording.

  • Terms and numbering per client

    Each client has its own rates, payment days and invoice numbers.

  • Know what is paid

    Mark invoices Not Sent, Sent or Paid, and match payments to the invoices they cover.

Choose Invoice Desk only when you sign up: billing for your business, without a household budget.

Open your Invoice Desk

Your Business LLC

Turning problems into solutions

INVOICE

#100001

9/11 Network setup$180.00
9/12 Password resets$45.00
9/14 Onsite visit$240.00
9/15 Backup review$90.00
Total$555.00
Sent via EmailDue in 30 days

Ready to give your money a plan?

Create your account in a minute. Start with household finances, split a bill with friends, or bill your clients.

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