Private, open-source budgeting in the browser with end-to-end encryption
- Zero-based
- Expense tracking
- Couples & families
uRekoin
Android app that logs spending from bank notifications and shows a daily budget
Research-based review, not hands-on testing. Last researched .
Overview
uRekoin is an Android app that reads payment notifications from banking and wallet apps on the phone and logs expenses automatically. It computes a daily spendable amount from salary, fixed costs and savings target, with payday-based cycles, a freelance/variable-income mode and savings goals. Data is stored locally without an account.
Best for: Android users, especially freelancers or those with variable income, who want automatic expense logging without giving bank credentials
Pros and cons
Pros
- Reads bank/wallet payment notifications on-device; no bank login or open banking
- Budget cycle can start on payday, with a daily spendable amount
- Smooths large one-off expenses across remaining days, or 1-6 months on Premium
- Freelance/variable-income mode and savings goals
- Free version available; no account required
Cons
- Android only and requires notification-access permission
- Free version shows ads; several features are Premium or unlocked by watching a video
- Automatic logging depends on the notification formats banks send
- Play data safety lists possible sharing of device IDs and 'data can't be deleted', at odds with 'nothing leaves the device'
- Very small user base (100+ downloads) and no store rating
Features
- Envelope budgeting not confirmed not confirmed
- Automatic bank sync not included
- Manual transaction entry included
- Goal tracking included
- Debt payoff tools not confirmed not confirmed
- Investment tracking not confirmed not confirmed
- Bill reminders included
- Reports & charts included
- Multi-currency not confirmed not confirmed
- Shared / household budgets not confirmed not confirmed
- Separate logins for shared budgets not confirmed not confirmed
Notification-based logging, dynamic daily budget, payday cycles, freelance mode, savings goals, fixed costs/subscriptions with reminders, charts, home widget, Excel export, backup
Our review
Short version
uRekoin is an Android app that reads payment notifications from banking and wallet apps on the phone and logs expenses automatically. It computes a daily spendable amount from salary, fixed costs and savings target, with payday-based cycles, a freelance/variable-income mode and savings goals. Data is stored locally without an account.
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
- €2.49/month for Premium (Google Play; may vary by country)
- €23.99/year for Premium
- Trial: 7-day free trial for Premium
Not confirmed
Founded year; Play store rating; Multi-currency; Import capabilities; Debt payoff, investment tracking, shared budgets.
Notes
Premium prices in EUR from Google Play. Site is Italian with an English section for supported banks. Community group is Italian.
Ratings are set separately against a shared rubric.
uRekoin alternatives
Free web-based zero-based budgeting for manual entry, installable on phones
- Zero-based
- Expense tracking
- Forecasting
Subscription budgeting web app with envelope-style planning, bank sync and multi-asset accounts
- Envelope
- Zero-based
- Expense tracking