Coming to iPhone, iPad and Mac
Run your personal finances like a business.
Log every pound, hold to commit, and see each month as a statement: what came in, what it cost to run, and what you put to work.
My ISA
£6,380.00
+£380.00 · 6.3% total return
Month 8 of 180
One tick for every month of your plan. Each month you fund turns orange.
01 / Why by hand
See every pound. Then decide what it’s for.
Most money apps pull in your bank feed and sort it for you, and most of it goes by unseen. Erkos asks you to log each entry yourself. It takes seconds, and it’s the point.
Complete visibility
Nothing arrives unseen. Every pound you spend passes through your hands once, so you know exactly where it went, not a rough idea from a feed you skim.
Considered spending
Hold to commit adds a moment’s pause before each entry. Over weeks it becomes a habit: you spend on purpose, and you watch your long-term goal move month by month on the horizon.
A reserve for the unexpected
Spare cash builds a reserve against a target you set. When the boiler breaks or the car fails its MOT, the reserve absorbs it and the plan carries on.
02 / The statement
Every month reads like a set of accounts.
Not a budget with red and green bars. The statement a business owner reads: what came in, what it cost to run, cash from operations, and what was put to work.
Flows to your reserve. Example figures.
03 / The language
Business terms for your own money.
Erkos uses the words a business uses for its accounts. Each has a plain meaning. Tap one to see it; the app explains them all as you set up.
Operating income
The money you earn each month, like your salary. Moving money between your own accounts doesn’t count.
Operating costs
Everything you spend in a month: the essentials, like rent and bills, plus the extras you choose.
Cash from operations
What’s left of your income once the month’s spending is paid. Above zero means you lived within it.
Financing
Money you borrow or pay back, like loan repayments, plus one-off sums such as a benefit payment.
Capital deployed
Money you put into your investments. It’s saving for your future, so it never counts as spending.
Free cash flow
What’s left after loans and investing. A surplus tops up your reserve; a shortfall comes out of it.
Reserve
Your safety net: spare cash kept aside for a bad month, measured against a target you choose.
Position
What your investments are worth right now. You update the figure once a month, which takes seconds.
Horizon
How many years you’re planning for, from 5 to 25. Every month you invest counts towards it.
04 / How it works
Three steps, every month.
Log it
Pick a category, type the amount, then hold to commit. Every entry gets a receipt, and one tap undoes it.
Read it
Overview, Flow, Capital and Ledger. See where every pound went, month by month and across the year.
Fund it
Keep your reserve at its target, pick a horizon of 5 to 25 years, and fund it one month at a time.
05 / The habit
Discipline, one entry at a time.
Financial discipline isn’t a budget you set once and forget. It’s a habit: noticing each pound, pausing before it goes, and paying your future first. Erkos is built to make that habit easy to keep, and satisfying to see.
Every day: log it
Each entry takes seconds, and the pause before you commit makes you notice where the money goes.
Every month: close the books
Update your balances, read your statement, and see whether the month paid for itself.
Every year: see it add up
Funded months stack up on your horizon. A missed month shows, and so does getting back on track.
06 / Two rules
The ideas the whole app is built on.
Capital deployed is never spending.
Money you move into your investments is shown apart, in orange. Saving never looks like a bad month.
Running costs and discretionary stay apart.
The essentials that keep you going, and what you chose to spend. When the month moves, you can see which one moved it.
07 / Private by design
Your data never touches our servers.
There are none. Your figures live on your devices and sync through your own iCloud, encrypted. No account, no bank login, no tracking. Export to CSV or JSON whenever you like.
Data not collected. That’s the label Erkos will carry on the App Store, because nothing you log ever reaches us.
08 / Price
No adverts, no upsells, no selling your data.
Both start with a 14-day free trial. Planned launch pricing.
Yearly
£29.99
a year
Lifetime
£79.99
once
Be first to run it.
Join the waitlist and we’ll tell you the day Erkos reaches the App Store.
Log it. Hold it. Fund it.