Oinki

Santiago Ramos

About this app

Take true control of your money with absolute privacy.

Oinki is a personal finance, budgeting, and micro-savings tool built on a strict principle: your financial data belongs exclusively to you. Built with a local-first architecture (data never leaves your device), with no mandatory sign-ups, no ads, and full offline functionality.

Replace complex spreadsheets with an agile, structured system designed for real life.

KEY FEATURES

Total privacy and local storage
All your accounting records are processed and stored exclusively in your phone's local memory. We do not collect, transmit, or sell your financial data to external servers.

Smart notification capture
Log transactions effortlessly. Oinki detects purchase and transfer notifications from your banking apps and digital wallets, converting them into drafts ready to confirm with a single tap.

Dynamic round-up micro-savings
Save money on every transaction automatically. Set a round-up rule on your accounts to send spare change directly into your savings funds or personal goals.

4 financial pillars framework
Organize your capital using a proven resource allocation model:
• Essentials (50%): Vital living costs and housing.
• Growth (25%): Savings and wealth building.
• Stability (15%): Emergency and contingency funds.
• Rewards (10%): Leisure, lifestyle, and personal enjoyment.
Monitor and adjust your budgets with continuous synchronization between percentages and real amounts.

Multi-account and real-time multi-currency
• Manage checking and savings accounts, cash, digital wallets, and credit cards.
• Smart credit card reserve: automatically sets aside available balance to cover credit card spending and prevent debt.
• Native support for multiple currencies (USD, EUR, COP, GBP, etc.) with automatic conversions and live exchange rates.

Advanced expense splitting
• Multi-account payments: split a single purchase across two or more different payment methods.
• Category splits: divide a single transaction across multiple categories with specific amounts or percentages.

Reserve funds (Sinking Funds)
Set money aside for specific objectives (travel, insurance, scheduled purchases, or emergencies). Reserved amounts are deducted from your daily available balance without altering the actual balance in your accounts.

Analytics, reports, and export
• Cash flow metrics, spending peaks, and consolidated balances.
• Advanced filtering by time period, categories, or custom tags.
• One-tap export to structured Excel (.xlsx) files with live formulas and executive PDF reports.

Cryptographic-grade security
Protect your sensitive records with a secure PIN derived using PBKDF2 (150,000 iterations) and fast biometric/fingerprint unlock. Includes a privacy cover to obscure your figures in the system's recent apps switcher.

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Legal disclaimer: Oinki is a personal financial tracking and budgeting tool. It does not hold funds, process actual money transfers, or provide regulated financial or investment advice.

What’s new

Welcome to Oinki! Your personal finance, budgeting, and micro-savings tool, 100% private and local-first.

In this initial release:
• Complete privacy: your data never leaves your device.
• Smart transaction capture from notifications.
• Automated round-up micro-savings on your purchases.
• Budgets based on the 4 financial pillars framework.
• Multi-account and multi-currency support with live rates.
• Export financial reports to PDF and Excel.