Kontu.io

Web-based monthly and project budget planner with shared budgets and multiple currencies

Research-based review, not hands-on testing. Last researched 2026-09-29.

Overview

Kontu is a web app for planning a monthly budget (income, expenses, and allocations for savings goals) and separate budgets for one-off projects such as trips or a house move. Budgets can be shared with others by email invitation, and transactions can be entered in over 150 currencies with totals shown in a chosen main currency. It is run by a UK sole trader and does not require a bank connection.

Best for: Individuals or couples, especially UK/multi-currency users, who plan spending in advance rather than track a bank feed

Pros

Plans a month by listing expected income and expenses, then assigning the remainder to allocations such as savings goals.
Separate project budgets with a target and itemized costs suit trips, moves and events.
Supports over 150 currencies per transaction, with totals in one main currency.
Shared budgets: invite a partner or group by email to update the same budget.
No bank connection required; month-over-month insights compare income, expenses and allocations.

Cons

Web only; no native mobile app was found.
Pricing could not be verified on the vendor's public pages fetched (no pricing page found), so cost and free-tier limits are unclear.
No bank sync or statement import was described, so all figures are entered by hand.
Very new with almost no independent reviews or store ratings.
Uses cookie-based usage measurement including session replay (only after consent).

Features

Envelope budgeting not confirmed not confirmed
Automatic bank sync not confirmed not confirmed
Manual transaction entry included
Goal tracking included
Debt payoff tools not confirmed not confirmed
Investment tracking not confirmed not confirmed
Bill reminders not confirmed not confirmed
Reports & charts included
Multi-currency included
Shared / household budgets included
Separate logins for shared budgets not confirmed not confirmed

Monthly budget planning, allocations, project budgets, insights over time, shared budgets by invitation, 150+ currencies

Our review

Short version

Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.

Cost

Not confirmed on vendor pages
Not confirmed on vendor pages

Not confirmed

Pricing, free tier and trial; Founding year; Data export/import; Mobile app availability; Bank sync availability; Last product release date (no changelog found).

Ratings are set separately against a shared rubric.