QoinDelivery was eating 37% of my money.
I was sure I was spending way too much on groceries, until I started tracking. Then Insights showed that 37% of my expenses were food delivery…
Anna
Budget tracker with analytics you shape
Track every expense — and see what it means.
Qoin brings all your cards, cash and bank accounts together, in any currency, and turns them into answers: your savings rate, forecasts, habits using ready-made charts or charts you build exactly the way you want. Type or say "20 bucks cafe yesterday" to log a purchase.
- AI Chat Helper
- Bank statement import
- Manual
AI chat
20 bucks cafe yesterday
Cafe · 20.00 $Restaurants & Cafes
AddTracking your expenses has never been this easy.
Say, type or import it — then look from any angle: the Insights dashboard, ready-made charts, or any chart you design yourself.
Stories
What changed after a few months of tracking
In people's own words. We don't edit the numbers.
AnnaA 1.5-month cushion in four months.
Thanks to Qoin I finally found ways to optimise my expenses, and in 4 months I built a safety cushion for 1.5 months.
DanielPer-category limits keep me calm.
I'm a student and my income is really limited. Thanks to the Budgets tab I finally got control over how fast I spend my money. First semester ever without borrowing from anyone 🤩
LinaYour story could be here
Found a leak, closed a debt, built a cushion? Two sentences are enough. We'll ask before publishing anything.
Share your storyThree ways in
Log transactions the way that's fastest for you
Most people stop budgeting because entering data is tedious. Qoin gives you three ways to do it, so the habit sticks.
Use AI Chat
Write a short message or dictate it. The AI chat picks the transaction details and waits for your confirmation.
Try: 20 bucks cafe yesterday or taxi 12 and lunch 30
Import a statement
Upload the statement you download directly from your bank, and review every row before it lands. AI suggestions help you turn cryptic bank names into readable ones.
Your bank's own format or the Qoin JSON Format
Add it by hand
A quick form with your categories and icons, and a one-tap switch between expense and income.
Coffee, groceries & cash in seconds
Insights
Know if you're actually saving — not just what you spent
Bank apps show a list of payments. Qoin answers the questions behind them.
- Savings rate for any day, week, month or year, plus a 12-month trend, so you see at a glance whether you keep more than you spend.
- Savings buffer: how many months your balance would last at your usual spending.
- Trends: the last six periods side by side, period over period changes and which categories went up or down.
Savings
What you're keeping
Savings rate
Average saving
per month, last 6 months
Savings buffer
months
example data
Budgets
Set a monthly limit and know where you stand before the month ends
A limit for all expenses or per category, in the currency you choose. Qoin compares what you've spent with what's expected by today, not just with the whole month's limit.
- Expected by now: a marker on every bar shows how much of the limit should be used by this day of the month, and each category reads Under plan, On track or Over plan.
- Over limit turns the bar red the moment a category crosses its limit, and the card shows by how much.
- Month-end forecast at your current pace, plus how much per day you can still spend to stay within the limit.
example data
Charts
Start from a template or build your own chart
- Ready-made templates for pie, line and bar charts: by category, account, person or month.
- Configure everything yourself: which accounts, chart type, grouping, target currency and period breakdown.
- Live preview while you set it up, then save the chart to your sidebar.
New chart
Templates
Pie chart
Line chart
Bar chart
Or configure your own
Data
Target currency
Advanced settings
Display
Chart type
#1 is the X axis, #2 splits it into series. Values are Net unless Type is grouped or filtered.
Previewexample data
AI inside
AI that does the boring part — and asks before it saves
Qoin is a budget tracker first. AI is there to take the typing and the tidying off your hands.
Chat & voice entry
Type or say "20 bucks cafe yesterday": the AI fills in the name, amount, category and the right date.
Voice input works in Chrome, Edge and Safari
Clean statements
During import, AI turns cryptic bank descriptions into clean merchant names and suggests a category, learning from the names and categories you already use.
POS 4821 CAFE*CORNER → Corner Cafe
You stay in charge
AI never saves anything on its own. Every suggested transaction and every renamed merchant waits for your OK, and you can edit it first.
Soon: Qoin inside your AI chat — see what's next
Ranks & achievements
Level up as you keep your finances in order
- 24 ranks from Novice to Transcendent: earn XP for transactions, categories, budgets, charts and every month you track.
- 13 achievements with Bronze, Silver, Gold and Platinum tiers: for imports, custom charts, import rules and more.
Multi-currency
Dollars, euros, pounds — one honest total
Accounts in more than one currency? Every account keeps its own currency and every transaction stays exactly as it happened. Qoin converts only for totals and charts.
- 170+ currencies supported, with exchange rates kept up to date.
- Switch the view of your totals between the currencies you use in one tap.
- Think in any other currency by adding it as an extra one in settings.
Income · expenseMonthly, last 6 months · example data
- Income
- 19,860 $
- Expenses
- 14,210 $
- Net
- 5,650 $
- Everyday card1,840 $
- Euro account1,250 €
- Savings9,000 AED
- Balance5,691 $
Built to be trusted
Your money data stays under your control
- No bank credentials. Qoin never asks for your online banking login. You decide what goes in.
- AI that asks first. Every suggested transaction and renamed merchant is shown to you before it's saved.
- Sync & backup. Your data lives in your account, the same on every device, and it is backed up.
- Any device, any theme. Built for phones as much as for desktops, in light or dark mode.
FAQ
Questions, answered
What is Qoin?
Qoin is a web app for tracking personal and family finances. You record income and expenses across your accounts, organise them with categories and get insights such as your savings rate, savings buffer and month-end forecast.
Can I try Qoin without signing up?
Yes. On the login page press "Try demo" to open a demo account with sample data, no password needed.
Do I have to give Qoin my bank password?
No. Qoin never asks for your online banking credentials. You add transactions by hand, through the AI chat or voice input, or by importing a statement file you download directly from your bank.
Can I build my own charts and reports?
Yes. Start from one of the ready-made templates or from scratch: pick the accounts, choose pie, line or bar, decide how to group the data (by category, type, account, person, name, month or day), set the target currency and add a period breakdown. You see a live preview while you set it up, and saved charts stay in your sidebar.
Which statement formats can I import?
Statements exported from your bank in the bank's own format (for supported banks), and the Qoin JSON Format, Qoin's own format that you can produce from any spreadsheet. Before anything is saved you see a preview where you can rename rows with your own rules, fix categories and skip likely duplicates.
Can I get my data out?
Yes. In settings you can export your categories and the transactions of any account to JSON at any time.
What is coming next?
- Goals — set a goal, a trip, a laptop or an emergency fund, and track how close you are.
- Recurring payments — set up rent, salary and subscriptions once and see what's due each month, matched to your real transactions.
- Debts — money you lent to others or borrowed from them.
- MCP server — use Qoin right inside ChatGPT, Claude, Gemini, Microsoft Copilot or other AI chats and ask your AI agent about your expenses.
Pricing
Free to start, simple plans when you need more
Free
Get a feel for where your money goes.
$0forever
no card needed
You get:
- 1 person
- 2 accounts
- 100 transactions a month 100 new transactions in each calendar month, not a one-time total. Counted by the transaction’s date, so an imported history counts toward the months it belongs to.
- 20 chat-created transactions a month Created through the AI chat: say or type “20 bucks cafe yesterday” and get a suggested transaction.
- 1 transaction from 1 chat message One message can create several: say or type “Fuel 30 euro yesterday, then groceries 50 and a movie 20 bucks” and get 3 suggested transactions.
- Sync & backup on every device
- Import & export
- Budgets
- Insights
- 170+ currencies
Pro Most popular
Everything for your own finances, with AI support.
$4$3.33/ month
billed $40 annually · 2 months free
Everything in Free, plus:
- 3 persons
- 10 accounts
- 1,000 transactions a month
- 100 chat-created transactions a month
- 2 transactions from 1 chat message
Max
For the whole family: more people, more accounts, no limits.
$8$6.67/ month
billed $80 annually · 2 months free
Everything in Pro, plus:
- 5 persons
- 30 accounts
- Unlimited transactions a month
- 1,000 chat-created transactions a month
- 5 transactions from 1 chat message
- MCP server Soon
Prices are in US dollars; your price in your own currency is shown when you choose a plan. The lifetime option is a limited-time offer for Pro.
See where your money goes — in two minutes
Open the demo account and click around with real-looking sample data. No sign-up, no password. Ready for your own? Sign up with email or Google.
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