Second cutoffSep 2026
Income ₱52,000.00
Net
₱16,650.00
Expenses₱27,350.00
Savings₱8,000.00
Surplus₱16,650.00
One ledger per cutoff
Generate the first or second cutoff of any month. Recurring items from your defaults are already in it.
Personal finance ledger
Every payday, accounted for.
Koino keeps one ledger per cutoff. Log income, bills and savings, then read the month in one view.
Sep 2026 · Second cutoffSample
Net balance
₱16,650.00
Income₱52,000.00
Expenses₱27,350.00
Savings₱8,000.00
Surplus₱16,650.00
Built for the 15th and the 30th.
- RentCleared₱12,000.00
- ElectricityPending₱3,850.00
- Emergency fundScheduled₱8,000.00
Income, bills, savings
Three kinds on one screen. Mark each item cleared, pending or scheduled.
The month in one view
Net balance and where the money went per cutoff, then totals, categories and trends across the year.
Income
₱52,000
Sample
Expenses
₱27,350
53% of income
Net balance
₱16,650
Surplus
Three moves, twice a month.
- 01
Generate the cutoff
Pick a month and cutoff. Your defaults for that cutoff are filled in.
- 02
Log what moved
Add income, bills and savings as they happen. Edit or delete anything in place.
- 03
Read the period
Each ledger shows net balance and where the money went. Insights rolls up the year.