Owniko for modern personal finance
Track accounts, budgets, assets, and documents across currencies, and share securely with family or your advisor. AI guidance helps you decide what to do next. No spreadsheets.
Have an invite link? Open it to finish signup.
How Owniko works
Owniko connects the records people already manage, then turns them into reports, reminders, shared views, and AI-guided next actions.
Records in
Owniko
One operating layer
Decisions out
Permissioned by design
Share specific ledgers without exposing everything.
Records stay attached
Documents support the accounts, assets, and transactions they explain.
AI reads context
Recommendations can use the whole picture, not isolated numbers.
Feature system
Track the facts, connect the supporting records, and review what needs attention before the month gets away.
Capture transactions manually with smart defaults, split support, tags, ledger contact assignment, and document context.
Product tour
A quick look at the screens you will use most, from the multi-ledger overview to category drill-downs.
Step 1 of 3
Security & FAQ
Owniko is privacy-first. Your records are encrypted, isolated per ledger, and never sold. Still have a question? Contact us.
Encrypted transport, hosted storage protection, export anytime, and no lock-in.
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.
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.
Yes. You can export transactions and reports at any time. There is no lock-in, so your records are always yours to take with you.
Yes. You can run separate ledgers with their own currency context, each with currency-specific reporting and no forced FX conversion blending.
Yes. You can grant permissioned access to a partner, family member, or financial advisor on a per-ledger basis, so they only see what you choose to share.
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 with one ledger, choose a currency, and turn daily financial records into monthly operating clarity.
Create your first ledger
Seed starter categories and accounts
Invite collaborators when ready
Leave your email and we will send occasional product updates and let you know as we open up access. No spam, unsubscribe anytime.
Trust controls
Built around privacy, control, and data ownership.
Owniko keeps the marketing promise simple: organize sensitive records clearly and give you control over access.
Encrypted data
Records are protected in transit and at rest by the hosted infrastructure Owniko uses.
Ledger privacy
Each ledger keeps its own records, sharing settings, and reporting context.
Permissioned sharing
Invite collaborators only where access is needed, instead of exposing every record.
Export anytime
Keep ownership of your records with export paths for transactions and reports.
Privacy-first
Financial records stay organized around your ledgers and permissions.
Manual-first option
Use Owniko without connecting a bank account if manual control fits better.
Portable records
Export paths help keep your finance system from becoming a lock-in trap.
Plain promises
Clear commitments before you sign up.
You should know how a finance app treats your records before you put real data into it.