Poko helps you track income, split expenses by category, manage debts and hit savings goals — all without signing up.
See exactly where your money goes — split into Needs, Wants and Investments with live progress bars.
Add expenses to each category and watch your ratios update in real time.
Hit financial milestones to unlock achievements.
Add loans, see total interest and net worth projection over 10 years.
Claude AI analyses your budget and gives 3 practical tips instantly.
No subscriptions. No ads. No tracking. Just a tool that works.
Built-in preset ratios or custom split.
Get personalised tips from Claude AI.
Repayment schedule + net worth forecast.
Model scenarios, compare strategies.
XP, levels, badges, weekly challenges.
Shared budget with partner.
Export summary card in 3 themes.
AI-powered bank statement import.
Full PL + EN interface.
Poko is open source. Check out other projects.
Personal budget manager with AI coaching, gamification and debt tracking.
See all public repositories and contributions.
More projects are in the works. Follow on GitHub.
No sign-up. No credit card. No nonsense.