Every Cent
Counts.
The smart, private way to manage your money. One app for budgeting, investing, and building real wealth — no subscriptions, no cloud accounts required.
Free on the App Store
Sound familiar?
Coyneko was built for people who are serious about their money — but tired of apps that make it complicated.
"My salary hits the account, and by month-end there's barely anything left — but I couldn't tell you where it all went."
Dashboard shows your month's full picture in one scroll: income, expenses by category, budget progress, and savings rate.
"I have two bank accounts, a share portfolio, and a mortgage. Nothing shows me the total picture."
Create a ledger for every account. Track cash, shares, and property together. Your real net worth, always visible.
"I tried those popular finance apps, but why does a budgeting app need my bank credentials and an account?"
No login. No bank connections. You enter your data. It stays on your iPhone — synced only through your own iCloud.
Your complete
financial picture.
Open Coyneko each morning and know exactly where you stand. Income, expenses, net worth, savings rate, and upcoming bills — all in one clean view.
- ✓Monthly income vs. expense with prior-month comparison
- ✓Savings rate & cash buffer health indicator
- ✓Net worth with asset breakdown (cash, shares, property)
- ✓6-month trend table with per-category insights
- ✓Upcoming bills and cash flow forecast
Organize money
your way.
Create separate ledgers for everyday spending, a savings account, your investment portfolio, or any account you manage. Each tracks its own transactions, budgets, and stats — completely independently.
Set budgets.
Actually stick to them.
Assign monthly or annual budgets to each category. Real-time progress bars turn orange when you're approaching the limit — and red if you've overspent. No surprises.
Watch your
wealth compound.
Log shares, ETFs, property, and other assets. See purchase price vs. current value, gain/loss percentages, CAGR, and your total portfolio allocation — all in one view.
The big picture,
clearly.
Insights gives you an annual financial health report: savings rate trends, your actual 50/30/20 breakdown, year-over-year income changes, and your Financial Independence progress.
Your data belongs
to you.
Coyneko Lite was designed from day one to keep your financial life private. No compromises.
Finance that fits
how you live.
Coyneko is designed to be there the moment you need it — not just when you sit down at a desk.
Back Tap to Log
Double-tap the back of your iPhone to instantly open the add transaction screen. Record expenses the second they happen.
Home Screen Widgets
Three widget sizes show your current balance, monthly cash flow, or a quick-add shortcut — right from your home screen.
Face ID Protection
Lock Coyneko with Face ID or Touch ID. A PIN fallback is stored securely in your Keychain.
Siri Shortcuts
"Hey Siri, add expense in Coyneko." Log transactions by voice without touching your phone.
Common questions.
Everything you need to know before downloading.
Coyneko Lite
Free on the App Store. No account required —
your data stays on your device, always.