Your finances, your data. Zero tracking, zero selling.
The privacy-first finance tracker for Europeans. Import your bank statements, track spending, and set budgets without your data ever leaving the EU.
The privacy-first alternative
Other apps sell your data
Toshl, Spendee, and US apps like Mint share or sell your financial data to third parties and banks.
Spreadsheets are painful
Manual entry takes hours every month. No automation, no categorization, no insights.
Kairio keeps it private
AI-powered categorization, multi-currency support, and bank-level security. Your data never leaves the EU.
Everything you need to manage your money
Powerful features designed for privacy-conscious Europeans with accounts across multiple countries.
Smart Import
Upload CSV from any EU bank. AI auto-categorizes 70%+ of transactions. Supports European number formats.
Unified Dashboard
See net worth across all accounts in one currency. Daily ECB exchange rates keep numbers accurate.
Budget Tracking
Set monthly limits per category. Get warnings at 80%, alerts at 100%. Stay in control of your spending.
Merchant Memory
Correct a category once, and Kairio remembers. Future imports auto-apply your rules.
Multi-Currency
Track accounts in EUR, GBP, CHF, SEK, and more. All converted to your base currency automatically.
100% Private
No bank partnerships, no data selling, no ads. Your financial data stays on EU servers, never shared.
Simple, transparent pricing
One plan, no hidden fees. Your subscription keeps the product running and our focus on privacy.
| Features | Starter Free | Pro Popular €9/month |
|---|---|---|
| Financial accounts | 3 | Unlimited |
| Transaction history | 200 | Unlimited |
| Bank CSV import | ||
| PDF statement import | ||
| AI categorization | ||
| Budget rules | 5 | Unlimited |
| Custom categories | 5 | Unlimited |
| Merchant rules | 30 | Unlimited |
| Priority support | ||
| Data stored in EU | ||
Frequently asked questions
Ready to take control of your finances?
Join thousands of privacy-conscious Europeans who track their money without compromise.