My finances live across multiple apps and sheets.
Run separate ledgers per currency and keep accounts, budgets, and reports in one system.
Personal finance operating system
Your finances feel scattered. Owniko brings them together.
Track accounts, transactions, budgets, and documents in one ledger with manual-first controls, optional bank connectivity where supported, and AI guidance on the roadmap.
Live Product Screens
Problem to solution
Built around real finance pain points.
I lose track of insurance renewals and property documents.
Link documents and reminders directly to financial and asset records.
I need to share access with a partner or accountant safely.
Use role-based permissions with clear ownership and member boundaries.
I do not know where my money is going each month.
Review category trends, account movement, and tag analytics from one reporting layer.
Manual transaction entry takes too long.
Use smart defaults for manual entries or connect supported banks for import workflows.
Feature showcase
The core workflows, shown as one connected system.
Track
Capture transactions manually with smart defaults, or import from supported bank connections where available.
- Split transactions, categories, tags, and family member assignment
- Currency-aware accounts and month filtering by ledger
- Document linking for auditable transaction context
Track preview
How it works
Three steps from setup to financial clarity.
01
Create a ledger
Choose currency, name your ledger, and define who should have access.
02
Add your data
Set up accounts, transactions, budgets, and key documents in one place.
03
Get clarity
Use dashboard and reports to understand trends and make cleaner decisions.
Differentiators
Why this product shape is different.
Multi-currency ledgers
Run USD, INR, EUR, and other ledgers without forced FX conversion blending.
Manual plus connected workflows
Choose manual-first entry or supported bank connectivity based on your preference.
Reports with operational depth
Analyze category, trend, account, and tag behavior in one reporting model.
AI recommendations roadmap
Planned assistive insights for anomaly detection and guided financial improvements.
Finance plus assets together
Track properties, insurance, and autos alongside transaction and budget context.
Privacy-focused architecture
Role-based access, Supabase-backed data control, and explicit ledger boundaries.
Ready to take control of your finances?
Start with one ledger, choose your currency, and build month-over-month clarity with reporting and collaboration.
Social proof
Built for practical finance outcomes.
Currencies
0+
Selectable currencies across ledgers
Category templates
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Starter categories for faster setup
Report views
0
Summary, trends, category, accounts, tags, and exports
Collaboration roles
0
Owner, admin, editor, viewer, and accountant
We finally stopped mixing personal and rental transactions. The role model made collaboration clean for our household and accountant.
Pilot user
Household finance owner
Illustrative pilot feedback