KinPeak — the household budget you keep by hand

The household budget you keep by hand.

Once a month, confirm what changed, update your balances, and see what moved. KinPeak does the arithmetic — the debt-free date, the goal ETAs, the net worth — and never asks for your bank password.

For people who left Mint and went back to a spreadsheet.

Start free See the reckoning

March 2026

0 of 4 confirmed

Rent$1,850
Groceries$620
Car payment$415
Utilities$180

Confirmed 0 of 4

Net worth up $412

Your spreadsheet is a ledger. KinPeak is a budget.

Same ritual — once a month, your own numbers — but it does the arithmetic you usually skip.

A debt-free date

See the month the last debt ends — not just today's balance.

Goal ETAs

Know when the emergency fund, vacation, or down payment actually lands.

Built for two

Both partners update. No version conflicts, no pasted-over formulas.

No bank login

You type the balances. We never see your transactions or sell your data.

Five minutes a month. On your phone or at your desk.

See how a month works

Five minutes, once a month

We call it the reckoning: you sit down, square what you owe against what you have, and close the month. Three steps, and most of it is one tap.

Confirm your lines

Every recurring line is already there with last month's number. Most months you press one button and you're done. When something changed, you say whether it changed once or for good.

12 lines · 9 still as expected

Rent$1,850
Groceries$620
Utilities$180

Confirm all as expected

Update your balances

One screen, every account, one field each. Type what the bank app says. Skip anything you don't have in front of you — nothing is required.

Account balances this month
Account	Last	Today
CheckingCash	$4,123	$4,381
SavingsSavings	$11,800	$12,300
VisaCredit card	-$2,840	-$2,620

See what moved

Net worth, debt-free date and every goal ETA, recalculated. Not a badge, just the consequence of the numbers you typed.

Net worth: $102,410 up $1,286
Debt-free: Oct 2029 2 months sooner
Emergency fund: Feb 2027 1 month later

The one question that makes it work

Groceries went from $620 to $690. In a spreadsheet you have two options: overwrite the old number and lose the history, or start a second tab and maintain both. Neither is honest for long.

KinPeak asks once: is this just this month, or the new normal? Choose just this month and only March records $690. Choose new normal and the old line closes in February, a new one opens in March, and every earlier month keeps exactly what it had.

Groceries

Changed to the new normal in March

Groceries history before and after the change
Month	Expected	Actual
Jan 2026	$620	$611
Feb 2026	$620	$634
Mar 2026	$690	$690
Apr 2026	$690	—

History stays as it was recorded. Only the months from March forward expect $690.

What winter costs

Insurance, road tax, Christmas, the vet. They aren't monthly bills, so a spreadsheet leaves them out — and then a $840 renewal lands in a month that was supposed to be fine.

KinPeak calls this the larder. You put the yearly and quarterly costs in once, and they get spread across the months so the monthly number is honest. It's what you fill in autumn so winter doesn't hurt.

The larder

Four costs, put aside a little each month

Annual and quarterly costs spread monthly
Cost	When	Per month
Car insurance$840	Every 6 months	$140
Property tax$1,260	Every quarter	$420
Christmas$900	Once a year	$75
Vet and pet$480	Once a year	$40

$675 a month set aside, so none of these is ever a surprise.

Avalanche or snowball, your call

Two orderings, the same money. Type your own numbers and see what each one actually costs you.

Avalanche

Pay the highest interest rate first. Every extra dollar goes where it stops the most interest, so it costs the least overall. The first payoff can take a while, which is why some people don't stick with it.

Snowball

Pay the smallest balance first. You close an account sooner and the freed-up minimum rolls into the next one. It usually costs a little more in interest, and it is easier to keep doing.

Try it with your numbers

Your debts
Debt	Balance	APR %	Minimum
Debt name	Credit card balance	Credit card APR	Credit card minimum payment
Debt name	Car loan balance	Car loan APR	Car loan minimum payment
Debt name	Student loan balance	Student loan APR	Student loan minimum payment

Extra each month: $100

avalanche

Apr 2031

55 months · $5,063 interest

snowball

Apr 2031

55 months · $5,063 interest

Both orderings finish within a month of each other on these numbers.

Estimates from the figures you enter. Not advice on which debts to pay or products to choose.

There's nothing here to leak

We never ask for your bank login, so there's no credential to steal. This isn't a feature we haven't got around to. Typing your own numbers is the product: it takes five minutes a month, it makes you look at your money, and it means a breach here would expose a list of figures you already knew.

What a bank-connected app holds

Your bank credentials, or a token that acts like them
Every transaction you've made, indefinitely
Merchant names, locations and timestamps
A copy of all of it at an aggregator you never chose

What KinPeak holds

The numbers you chose to type
The month they belong to
Nothing else

No Plaid, no aggregators
No transaction feed
No data sold, ever
Export everything, any time
Delete everything in one click
One email a month, and that's all

Read the full privacy notice

Bring your spreadsheet

Copy the columns out of Sheets or Excel and paste them straight in. Names and amounts, tab- or comma-separated. Fix anything in the preview before it imports.

Paste your rows

Preview · 5 lines

Parsed budget lines
Rent	$1,850
Groceries	$620
Car payment	$415
Utilities	$180
Phone	$65

Total monthly$3,130

One price, both of you

$48 once a year — $4 a month — or $8 a month if you'd rather pay as you go. Thirty days free, no card. There's no free tier because a free tier would have to be paid for by selling something — and the only thing we'd have to sell is your money data.

Both people in a household
Unlimited budget lines, accounts and goals
Debt payoff, sinking funds and goal ETAs
Full history, month by month
CSV and JSON export whenever you want it
One email a month, nothing else

$48a year — works out to $4 a month

Or $8 a month, if you'd rather pay monthly.

Or start 30 days free, no card

Cancel any time from settings, and your export still works after you do.

Questions people ask

How can it be accurate if it doesn't see my transactions?: It isn't trying to catch every coffee. It tracks the shape of your money — what comes in, what goes out on repeat, what you owe — which is what actually moves your debt-free date. Precision on lattes has never paid off a car loan.
Isn't typing it in yourself a chore?: It's one pre-filled screen a month where most rows need one tap. That's less work than correcting a feed that keeps filing your pharmacy as entertainment.
What if I skip a month?: Nothing breaks and nothing nags. The month waits. Confirm two at once when you come back, and the history simply shows the gap.
Why should I trust you with my numbers?: You're giving us numbers you chose to type, not access to your accounts. Export everything whenever you want. Delete everything in one click.
Kin-what?: Kin is the people you share money with. Peak is where you're taking it. KinPeak — the household budget you keep by hand.
Is this financial advice?: No. KinPeak does arithmetic on numbers you supply. It doesn't recommend products, and it isn't a substitute for a financial adviser.