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Kontu.io

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

Visit Kontu.io

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

Overview

Kontu is a web-based monthly and project budget planner. It lets users plan expected income and expenses, assign the remainder to savings allocations, and set targets for one-off projects. Budgets can be shared by email invitation, and transactions can use more than 150 currencies with totals in a chosen main currency. A free tier is listed; the current landing page advertises $54 lifetime access, while the Terms still describe subscriptions.

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

Pros and cons

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 let invited members update the same budget; sharing requires the paid tier.
  • A free tier includes one active budget and analytics; the landing page also advertises lifetime access for $54.
  • Privacy policy says data is not sold or used for AI training, with usage analytics and session recording consent-gated.

Cons

  • Web only; no native mobile app was found.
  • The current landing page lists a free tier and $54 lifetime access, while Terms still describe monthly or annual subscriptions; no monthly/annual amounts are shown.
  • No bank sync or statement import was described, so figures appear to be entered by hand.
  • Very new, with little independent user feedback and no public help center or changelog found.
  • Every shared-budget member can see names, email addresses and all budget data; closing the owner's account deletes the shared budget for everyone.
  • Data is hosted in AWS US East and PlanetScale; session recordings can capture budget text though monetary amounts are masked.

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

Kontu is a web app for planning a month before it happens: list expected income and expenses, then assign what is left to allocations such as an emergency fund or a trip. Separate project budgets have a target and itemized costs. Budgets can be shared by email invitation, and transactions can be entered in over 150 currencies with totals in one main currency. It does not require a bank connection.

Research-based profile, not hands-on testing. Checked public vendor pages on 2026-10-10; I did not create an account, start a trial or enter any data.

What is different

Kontu combines forward-looking monthly planning with separate one-off project budgets. Its public page also describes multi-currency entry and shared budgets. Whether actual spending is reconciled against plan with per-category remaining balances is not documented.

Cost

The current landing page lists a free plan with one active budget, analytics, any currency and templates. It advertises $54 for lifetime access with unlimited budgets, collaboration and priority support. The currency is not otherwise identified. This conflicts with the Terms, last updated Aug 22, 2026, which describe monthly or annual subscriptions. The page's billing selector still shows monthly/yearly/lifetime but publishes no other amounts. No trial terms were confirmed.

Privacy

The privacy policy (updated Aug 22, 2026) says data is not sold or used to train AI models. Usage analytics and session recording run only with consent; recordings mask monetary amounts but can capture budget names, transaction descriptions and notes. Data is hosted in AWS US East and PlanetScale. Every shared-budget member can see names, email addresses and all planning data; if the owner closes their account, that budget is deleted for everyone. No user-facing two-factor option or independent security audit is documented.

Who it suits

People who like to plan ahead, want separate project budgets or need multiple currencies, and are comfortable entering figures manually. It will frustrate anyone who needs automatic transaction imports or a native mobile app.

Not confirmed

Monthly and annual prices (the current landing page and older Terms conflict), currency denomination of the $54 lifetime price, trial, data export format, mobile app, import, per-category actual-spending tracking, scheduled items, reconciliation and release cadence.

Bottom line

A forward-planning tool with useful project budgets, collaboration and currency support. The newly published free tier and lifetime offer improve price visibility, but the Terms have not caught up, and the public product track record remains thin. Ratings are set separately against a shared rubric.

Sources

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