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vokse.

Everything you need.
Nothing you don't.

Zero-based budgeting + AI · open banking + multi-currency · receipt OCR + voice memo · forecasts + reports · developer API + MCP. The whole story below.

Start freeSee pricing

Zero-based budgeting that flexes

Give every euro a job. Move money mid-month without breaking a sweat. Goals attach to envelopes. Track progress over time. Copy from last month with one tap.

The vokse budget plan with envelopes, goals and monthly assignment
Envelope model · Auto-assign from goals · Mid-month moves · Copy from last month

The assistant, the banks, the currencies

Read-only bank sync

Read-only bank sync: the US and Canada today, European banks (PSD2) next. Never writes. Consent re-confirmed every 90 days; we remind you 7 days before expiry.

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Same tools as the UI · auditable

Ask anything about your money. The assistant works the same buttons you would, it writes down every step it takes, and anything it cannot undo waits for your yes.

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  • Who you pay

    8 things it can do here

  • Everyday transactions

    8 things it can do here, 1 of which ask you first

  • Categories and groups

    7 things it can do here, 1 of which ask you first

Native FX, baked in

Track accounts in any currency. Historical rates per day; conversion to your base currency is automatic. Multi-currency budgets · multi-currency goals.

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A register that reconciles to the cent

Every transaction in one place, whether it came from your bank, a CSV, OFX or JSON file, your own typing or the assistant. Flag it, search it, attach the receipt, and reconcile against the statement when the month closes.

  • Flags

    Colour flags with names your household chooses. Mark a row, filter on it later.

  • Search

    Full-text search across transactions, payees, categories and tags, ranked by how well they match.

  • Receipts and attachments

    Upload a receipt, let OCR read it, then confirm it into a new transaction or attach it to a row you already have.

  • Reconciliation

    A guided reconcile against your statement balance, one account at a time. Reconciled rows are guarded against accidental edits.

More about the register
The vokse transaction register with flags, search, cleared status and running balance

Around the month

The month, day by day

Upcoming bills and recurring charges on one calendar, with what comes in and goes out each day. vokse spots recurring charges in your register on its own and suggests the schedule.

The vokse money calendar with the month at a glance and the selected day beside it

Reports that explain themselves

Net worth, cash flow, spending by category or payee, income vs spend. Forecasts with a deterministic baseline + optional LLM refinement. Export as CSV / PDF / XLSX.

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Goals and loans, beside the envelopes

Goals, debt payoff included, attach to envelopes and draw their funding from what you assign each month. Loans get a planner that keeps the history of every change to the terms.

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Banks in the live catalogue
9,976
Audit log
Append-only
AI-categorised with your confirm
Every move
to start the trial
No card

Keep exploring

See for yourself.

Free while you try it. Full access to everything above. No credit card.

Start freeSee pricing
€16.99/moStart free · 34 days
  • Connect your banks, as many as you like
  • Every currency you use, with the real exchange rate of the day
  • An assistant that works the same buttons you do, and asks before anything hard to take back
  • A forecast of next month, drawn from your own history
  • Receipts from a photo, transactions from a voice note
  • Up to ten households, shared with the people you choose
  • Connect Claude, ChatGPT and your own tools
  • Reports you can take with you, as a document or a spreadsheet