Across currencies
The cross-border household
Income in one country, family in another — and apps that force one blended currency.
With Owniko
Run a USD ledger and an INR ledger side by side. No forced conversion.
Your household's money, organized
See everything you own and owe, in one place.
Accounts, budgets, property, and the documents behind them — even across currencies. Sync your bank, or enter it your way. No spreadsheets.
Have an invite link? Open it to finish signup.
Encrypted dataProtected in transit and at rest
Your data, never soldPrivacy-first by design
Export anytimeNo lock-in, ever
How it works
Put your records in. Get answers out.
Owniko turns the records you already keep into reports, reminders, and clear next steps.
Records in
Bank accountsBalances and synced transactions
Receipts and billsDocuments attached to records
Property and assetsHomes, autos, policies, warranties
Shared ledgersHousehold collaboration
Owniko
One operating layer
Decisions out
Cash-flow pictureIncome, expenses, surplus, runway
Reports that explain whyCategories, accounts, contacts, tags
AI next actionsGuidance from the records you keep
Alerts and sharingReminders, exports, permissioned views
Who it's for
If your money is more than one bank account, this is for you.
Shared, on your terms
The household that shares
One shared login means your partner or helper sees everything — or nothing.
With Owniko
Invite people into specific ledgers, with the role you choose.
Beyond bank balances
The owner of real things
Net-worth apps stop at bank balances. Your property and paperwork live in a drawer.
With Owniko
Track homes, autos, and policies next to money — documents attached.
See it work
Four screens. That's the whole system.
Step 1 of 4 · Actual product screens with sample data
Want to click around yourself? Request access and explore three pre-filled demo ledgers the moment you are in.
Request early accessFamily ContinuityPro
The feature you hope you never need.
If something happens to you, the people you trust can find what matters — on your rules, not a stranger's.
You choose who
Trusted contacts, per ledger, each with exactly the scope you set.
You set the rules
Manual approval, or inactivity check-ins with warnings, a grace period, and a waiting window.
They see, never touch
Read-only, time-limited, audited access. Never your passwords.
Is my financial data secure?
Yes. Owniko uses encrypted transport, hosted database encryption at rest, and per-ledger access controls so records stay protected and scoped to the people you choose. We never sell your data.
Do I have to connect my bank account?
No. Owniko is manual-first, so you can add accounts and transactions yourself. Optional bank sync is available for supported US accounts if you prefer automatic imports.
Can I export my data?
Yes. From Settings you can export your whole ledger at any time — transactions, accounts, budgets, assets, categories, tags, and more — as a CSV per record type plus a complete JSON copy, on every plan including Free. Report exports (PDF/CSV) are also available. There is no lock-in, so your records are always yours to take with you.
Does Owniko support multiple currencies?
Yes. You can run separate ledgers with their own currency context, each with currency-specific reporting and no forced FX conversion blending.
Can I share access with family?
Yes. You can grant permissioned access to people you trust on a per-ledger basis, so they only see what you choose to share. Professional collaboration roles are not generally available yet.
Is Ask Owniko AI? What does it actually see?
Yes — Ask Owniko and the digest suggestions are AI-generated, and we label them wherever they appear. The model answers from the financial facts recorded in your selected ledger, such as totals, balances, budgets, and categories. Owniko does not send your documents, account numbers, emails, or phone numbers to the model, and common personal-data patterns in your questions are redacted first. Answers are educational, not financial advice, and you can turn Ask Owniko off in Settings.
What happens to my records if something happens to me?
Owniko Pro includes Family Continuity: a private handoff plan for people you trust. You choose the contacts, what each may eventually see per ledger, and the rules that release it — manual approval or an inactivity check-in with warnings, a grace period, and a waiting window. Access is read-only, time-limited, and audited, and Owniko never stores passwords or account credentials.
How much does Owniko cost?
Owniko is free to start, with paid plans that add more accounts, bank sync, advanced reports, and higher limits. You can review every plan on the pricing page and cancel anytime.
Start clean
Start before the next month does.
Start with one ledger, pick a currency, and see where this month actually went.
Create your first ledger
Seed starter categories and accounts
Invite collaborators when ready
Trust
Built to be trusted with your money.
Encrypted data
Protected in transit and at rest.
Never sold
Your data is not the product.
Permissioned sharing
People see only the ledgers you choose.
Export anytime
Your records leave with you. No lock-in.
Pooja
Founder, Owniko