Free multi-currency money tracker
The honest way to track money across currencies
INCONI is a free expense tracker for people whose money does not live in one currency or one country. Log what you spend and earn, split debts with friends, and see exactly where it went.
- No bank connection required
- Works offline-friendly on mobile
- Export to CSV any time
1,290+ people track their money with INCONI
Built for one group of friends splitting rent and holidays, then quietly picked up by everyone else. No funding round, no growth team, no ads.
One dashboard for every wallet, in every currency you hold.
Everything a money tracker owes you
Wallets, categories and statistics are table stakes. Debt sharing is the part most trackers skip, and it is the reason INCONI exists.
Multi-currency wallets
Keep a wallet per currency and account. Live FX rates roll everything up into one number, so USD, EUR, PLN, UAH and BYN sit on the same dashboard.
Shared debts with friends
Split a dinner, lend a deposit, track a long repayment. Both sides see the same running balance, so nobody has to remember who owes what.
Statistics that answer questions
Where the money went this month, how income and expenses moved over time, which categories quietly grew. Charts you can read in ten seconds.
Categories that fit you
Build your own categories with icons and descriptions instead of living with someone else's list, and reshape them whenever your habits change.
Privacy mode
One tap hides every balance on screen. Useful on a train, in a meeting, or any time someone is reading over your shoulder.
Free, no ads, no upsell
No paid tier, no ads, no selling your data to anyone. You can export everything you have entered to CSV whenever you want.
Questions people actually ask
Is INCONI really free?
Yes. There is no paid plan, no trial that expires and no ads. It started as a personal project and it stays free to use.
How is my data stored?
Your account and financial records live in a Postgres database hosted in the European Union. Passwords are hashed, never stored in plain text, and your data is not sold or shared with advertisers. The full detail is in the privacy policy.
Can I export my data?
Yes. You can download your transactions and transfers as CSV from Settings at any time. The file opens in Excel, Numbers, Google Sheets or anything else that reads CSV.
Which currencies are supported?
USD, EUR, PLN, UAH and BYN, with exchange rates refreshed automatically. You can hold wallets in several currencies at once and still see a single total.
Is there a mobile app?
INCONI is built mobile-first and installs to your home screen as a progressive web app, so it behaves like a native app without an app store download.
Do I have to connect my bank?
No, and you cannot. INCONI never asks for banking credentials. You enter what you spend and earn, which keeps the data honest and keeps your bank login out of it.
What happens to my data if I stop using it?
It stays in your account until you delete it. Deleting the account is one button in Settings, it takes effect immediately, and it removes everything you entered. No email to support, no waiting period.
Start with one wallet
Creating an account takes an email and a password. No card, no onboarding call, no bank connection.
Create a free account