Visualize
See where your money goes at a glance. Net trends, per-currency totals, and per-card insights — no spreadsheets required.
Smart money. Clear future.
Personal finance that stays on your phone.
Kalkalok is a private money tracker for iPhone. No sign-ups, no ads, no third parties — just your numbers, beautifully organized. Optional iCloud sync when you want them on your other devices.
Built around four simple ideas.
Track
Log income and expenses in seconds. Cash, credit, debit — with installments handled for you, and saved filters for the views you keep coming back to.
Plan
Recurring transactions split into Recent and Upcoming so you always know what just hit and what is about to.
Achieve
Build the habits that compound. Hit your goals and keep them — your future self will thank you.
What's inside
The details that earn their keep.
Credit & debit cards
Track cards alongside cash accounts. Installments are split automatically, with per-card rounding so the math always reconciles.
Recurring, surfaced
Subscriptions and salaries split into Recent and Upcoming. Expand a lump to see every instance behind it.
Multi-currency
Each account carries its own ISO currency. Totals stay separated per currency — no fictional FX conversions.
Saved filters
Pin the views you check often. Recents auto-save the last filters you applied so common questions are one tap away.
Backup & restore
Export the full store as JSON whenever you want a snapshot. Restore on a new device in one step.
Optional iCloud sync
Off by default. Turn it on to mirror your data to your own iCloud — including shared households via CloudKit sharing.
Private by default. Yours by design.
Everything lives on your device with SwiftData. No accounts, no analytics, no third parties. Turn on iCloud sync and your data goes to your iCloud — never a server we run.
Read the privacy policy →