Where does your money actually go?
Split your month into fixed, variable, and one-off spending. The fixed part is easy — it's the rest that catches people out. Everything is worked out in your browser; nothing is sent to us.
Fixed costs
Rent, loans, insurance, subscriptions — same amount, predictable date.
Variable spending
Groceries, eating out, transport, shopping. Best monthly guess — most people guess low.
One-off & irregular (monthly average)
Travel, gifts, repairs, annual fees. Take the yearly total and divide by 12.
Your month, broken down
Enter your income and spending to see the breakdown.
These are your best guesses.
Most people are off by a lot on variable and one-off spending. Import a bank statement or connect your bank and Kronvis shows your real breakdown — then forecasts the months ahead.
See my real numbersFreeHow Kronvis worksStep 2 — check it against reality
Think your guesses were close? Drop in a bank statement and see how your assumptions hold up. It's read entirely in your browser — the file never leaves your device, and we only look at dates and amounts, never descriptions.
Read in your browser. Nothing is uploaded.
Estimates only, worked out entirely in your browser. Nothing you enter is sent to or stored on our servers.