Just you
A private book only you can see. Track daily spending and stay on top of your own budget.
Coffee$4.20
Commute$2.75
Lunch$9.50
Personal & private
Free foreverNo adsNo bank linking
Money, but nice.
A free budget app & expense tracker, made for humans.
Track daily spending, set monthly budgets, and share one book with your family. No ads, no bank linking, no paywall — just a calm, clear view of where your money goes.
Android · Free forever · No sign-up wall
Any currency — ₹ · $ · € and more
What you won't find
A short list of nos.
Most money apps make their money from you. Vynko doesn't. Here's everything it will never ask for or push on you.
- No ads. Ever.
- No bank account linking.
- No reading your text messages.
- No subscriptions.
- No feature caps or category limits.
- No selling your data.
Why people switch
How Vynko compares to other budget apps
Most budget apps are free until you hit a wall — a category cap, a locked report, a monthly fee. Vynko unlocks everything from day one.
 Vynko | Other budget apps | |
|---|---|---|
| Price | Free forever | Free trial, then up to $14.99/mo |
| Ads | None | Often ad-supported |
| Bank account linking | Never required | Usually required |
| SMS permission | Never asked | Often required |
| Categories | Unlimited | Free tier often capped (e.g. 20) |
| Family sharing | Included, free | Usually a premium add-on |
| Data export (CSV · Excel · PDF) | Free | Often premium-only |
| Works offline | Yes | Often needs a live sync |
Comparison reflects the publicly listed pricing and free-tier limits of several leading budget apps as of 2026 (for example, subscription-only tools with no free tier, and free tiers that cap categories). Individual apps vary — check each app's current terms.
The whole app, unlocked
Everything you need to track spending
A money manager that keeps the essentials close at hand, without burying you in features you'll never open.
See exactly where the money goes
Break spending down by category, tag, or payment mode, over a week, month, or year. Reports that answer real questions instead of showing you a wall of numbers.
- Category, tag & payment-mode breakdowns
- Compare this month to the last
- Income and expense kept separate
Budgets that track themselves
Set a monthly budget overall or per category, and watch spent-versus-planned fill up as you go. No spreadsheets, no math — just a clear line you can see yourself approaching.
- Overall or per-category limits
- Live spent-vs-planned progress
Save toward something real
Set a target and a deadline, then watch progress grow. Savings stay separate from your income and expense totals, so a goal contribution never looks like a spend.
- Target amount and deadline
- Progress you can actually feel
Recurring transactions
Rent, salary, subscriptions — log them once and Vynko posts them on schedule, with a review step first.
Payment modes
Tag every expense with cash, a wallet, or a specific card, and see spending by account — no bank linking needed.
Tags across categories
Tag a trip or a project across categories, then total the whole thing in one tap — however you slice your spending.
Books & currencies
Keep separate books for home, travel, or a side project — each with its own currency, categories, and members.
Your data, exportable
Export any book to CSV, Excel, or PDF. Auto backup runs daily, so your records are never one lost phone away from gone.
Reminders & nudges
A gentle daily reminder to log, plus due-date nudges for cards and bills. On-device, on your schedule.
Fast on purpose
Log an expense in about three seconds.
Vynko is manual by design — and those few seconds are the point. They're what keep you honest with yourself, without an app quietly reading your bank in the background.
Step 1
Tap the + button
Step 2
Food
Pick a categoryStep 3
12.40
Type the amountDone
Save. That's it.
Tap. Pick. Type. Save.
Optional, never required
One shared book for the whole household
A book in Vynko is a shared ledger. Invite your partner or family with a link, and everyone adds to the same book — same categories, same budgets, same running total, in real time. Your own books stay private unless you share them.
- One-tap invite links
- Nickname members like Partner, Mom, or Roommate
- Everyone sees changes the moment they happen
- Simple owner + members — no confusing role tiers
Real weeks, real life
A book for every part of life
Keep things apart without keeping five apps. A private book for yourself, a shared one for home, a separate one for a trip — switch between them instantly.
Your household
One shared book for partners and family. Everyone adds, everyone sees the same total.
Dad · Groceries$58.00
Mom · Bills$110.00
You · Fuel$40.00
One shared book
A trip
A separate book — or a single tag — for the whole trip. Total every expense across categories in one tap.
Stay$220.00
Food$86.00
Getting around$54.00
Tagged as one trip
Private by design
An expense tracker that doesn't read your SMS or link your bank
Vynko works on manual entry by design. It never asks for SMS permissions, never connects to your bank account, and never sells your data. Your entries sync to your account, back up automatically every day, and you can export everything whenever you want.
- No SMS permissions, ever
- No bank account linking
- Daily automatic backups
- Export your data anytime
Not a feature list
Built around five ideas
- CalmNo charts screaming at you. A quiet, clear view you'll actually want to open.
- YoursYour data belongs to you — exportable to CSV, Excel, or PDF, always.
- FreeNot free until 20 categories. Free. No paywall, no premium tier, no trial timer.
- FastEvery expense logged in about three seconds. Manual entry that never feels like a chore.
- SharedHouseholds shouldn't need a spreadsheet. One book, everyone in it.
We built Vynko because every money app we tried wanted something back — a subscription, our bank login, permission to read our texts. So we made the one we actually wanted to use: calm, private, free, and honest about it.— the team at iToolVerse
Good questions
Questions, answered
Is Vynko really free?
Yes. Every feature — budgets, books, family sharing, reports, export — is free. There's no paywall, no premium tier, and no subscription.
Which phones does Vynko run on?
Vynko is built for Android and is available on Google Play. There's no iOS version yet.
How does family sharing work?
Create a book, send an invite link, and the people you invite can add and edit expenses in that book alongside you. It's one shared ledger for the household, not a bill-splitting app.
Does Vynko read my SMS or connect to my bank account?
No. Vynko is an expense tracker without bank linking or SMS access. You enter transactions yourself, which also means the app works the same in any country, with any bank.
Do I have to link a bank account to use it?
Never. Vynko works entirely on manual entry, so there's no bank login, no open-banking connection, and no third party in the middle. It also means it works offline and in any country.
Is my data backed up?
Yes. Your entries sync to your account and every book is backed up automatically once a day. You can also export your data to CSV, Excel, or PDF at any time.
Can I track more than one currency?
Yes. Each book has its own currency, so you can keep a home book in one currency and a travel book in another. Reports keep currencies separate rather than blending them.
Is Vynko good for couples, families, or roommates?
Yes. Invite anyone to a shared book and everyone adds to the same running total in real time — ideal for couples, families, and flatmates who want one shared view of spending.
Does Vynko work offline?
Yes. Because entries are manual and stored on your device, you can add and browse expenses without a connection. Changes sync to your account when you're back online.
Is Vynko a good free alternative to YNAB or Money Manager?
If you want a free budget app with no subscription, Vynko covers the essentials those apps charge for: monthly budgets, recurring transactions, reports, and household sharing — with no category caps.
Start tracking where your money goes
Vynko is free on Google Play — no ads, no paywall, nothing to upgrade to.
Free foreverNo adsAndroid