Money management that makes sense.

Keep your finances healthy

Enter your income and expenses. Get a 0–100 financial health score, see where your money goes and get tips on what to improve.

Download on the App Store

Free · iOS 17.6+

Cinkáto on iPhone: the Overview screen with the financial health score.

How it works

Three steps. Zero spreadsheets.

  1. Add income and expenses

    Once, by hand. Monthly or yearly items.

  2. Get your score, 0–100

    See at a glance where you stand.

  3. Follow the tips

    And watch your score climb.

Aim for 100

That’s when your money really rings true.

Sample score

Your score depends on how much of your income is left over each month.

  • 100 Excellent 20% of your income or more is left
  • 75 Good 10–20% of your income is left
  • 50 Average 5–10% of your income is left
  • 25 Weak 0–5% of your income is left
  • 0 Critical Expenses exceed income
Overview screen with a score of 100, excellent

Where does your money go?

14 categories. Finally, the full picture.

Expenses by category Illustrative data
  • Housing $1,500 47.4%
  • Taxes & Levies $840 26.5%
  • Food & Groceries $450 14.2%
  • Telecoms $105 3.3%
  • Transport $120 3.8%
  • Streaming & Subscriptions $60 1.9%
  • Sport & Fitness $90 2.8%

Rent, gifts, holidays

All in one place. Nothing slips through.

Essentials

  • Housing
  • Food & Groceries
  • Telecoms
  • Transport
  • Health & Medicine
  • Taxes & Levies

Regular payments

  • Streaming & Subscriptions
  • Sport & Fitness
  • Education

Irregular

  • Clothing
  • Repairs & Maintenance
  • Holidays & Travel
  • Gifts & Entertainment

Other

  • Other

Monthly or yearly

Enter yearly payments once and the app turns them into a monthly amount.

For example, insurance $600 per year $50 per month

Monthly expenses screen with a pie chart by category

Everything that matters

No finance jargon. No clutter.

  • Overview

    Monthly income, expenses, surplus and yearly savings in one place.

  • Categories

    14 categories in 4 groups, plus pie charts.

  • Smart tips

    Spots what’s off and tells you what to do about it.

  • Three currencies

    Work in CZK, USD or EUR.

  • English & Czech

    The app speaks both.

  • iCloud

    Sync through your private iCloud.

My data screen: currency, income and expenses

Tips that work

The 50/30/20 rule and other practical advice.

The app gives you a heads-up when

  • your reserve covers less than 3 months of expenses,
  • housing takes more than 40% of your income,
  • subscriptions go over 10% of your income,
  • expenses exceed your income.

Plus general tips

  • The 50/30/20 rule 50% for needs, 30% for wants, 20% for savings.
  • Emergency fund Ideally 3 to 6 months of expenses.
  • Automatic saving A standing order right after payday. What you don’t see, you don’t spend.
Tips screen with recommendations

Premium

Peek into the future

Forecast your reserve up to 5 years ahead.

Reserve forecast Illustrative data

  • Future events

    One-off or recurring income and expenses. Like a car in 2 years or a bonus every December.

  • Income growth

    Set by how many % and in which month of the year your income goes up.

  • Custom inflation

    One rate for the whole period, or a separate rate for each year.

  • PDF export

    Save your results as a PDF.

Forecast screen with a 5-year reserve chart (illustrative)

Your numbers, your business

Cinkáto collects nothing. Really, nothing.

  • No account

    No sign-up. Just open it and go.

  • No bank login

    You enter the numbers. Nothing gets connected.

  • No tracking

    No analytics, no ads, no third-party SDKs.

  • Stays with you

    Data lives on your device, or in your private iCloud.

Free or Premium

The basics are free. Buy Premium once and it’s yours.

Free

Free

  • Financial health score 0–100
  • Overview: income, expenses, surplus, yearly savings
  • 14 categories in 4 groups
  • Monthly and yearly items
  • Expense pie charts
  • Smart tips
  • CZK / USD / EUR, English and Czech
  • iCloud sync

Premium

$0.99

One-time · no subscription · Family Sharing

  • Reserve forecast up to 5 years (chart)
  • Future events
  • Income growth
  • Custom inflation
  • PDF export

Available on the App Store.

Coming soon

  • Coming soon Cinkáto for Mac With iCloud sync.
  • Coming soon Cinkáto Invest A separate app for investing.
Premium screen with features and price

FAQ

Is it free?

Yes. The score, overview, categories, charts, tips, currencies and iCloud sync are all free. Premium is an optional one-time purchase.

What exactly do I get with Premium?

A reserve forecast up to 5 years ahead, future events, income growth, custom inflation and PDF export.

Is it a subscription?

No. Premium is a one-time purchase with no recurring payments. It works with Family Sharing too.

Where is my data?

Only on your device, or in your private iCloud if you have sync turned on. We have no access to it.

Do I need to connect my bank?

No. You enter the numbers yourself. No bank connections.

Does it work on iPad or Mac?

Yes on iPad. A Mac version with iCloud sync is coming soon.

Is this financial advice?

No. The app is for personal informational purposes only and does not constitute financial advice.

How do I restore my purchase?

In the app, go to Settings → Premium and tap “Restore Purchases”.

Let your money ring

Get Cinkáto for free and see where you stand.

Download on the App Store

Free · iOS 17.6+