Kyndo — Know Your Money

Kyndo is the personal finance app built for freelancers, gig workers, and anyone whose income changes month to month.

Most budgeting apps assume you earn the same amount on the same day every month. Kyndo doesn't. It adapts to your real income — feast months, famine months, and everything in between.

FEAST & FAMINE ENGINE
Kyndo automatically detects when you're having a strong income month (Feast) or a tough one (Famine) and adjusts your entire financial strategy accordingly.

VEE AI COACH
Ask Vee anything about your finances and get answers based on YOUR actual numbers. Budget status, debt payoff timeline, cash flow risks — Vee knows your situation inside and out.

90-DAY CASH FLOW FORECAST
See upcoming bills, income, and potential risk days before they happen. Never be caught off guard by a low-balance week again.

SMART DEBT PAYOFF
Choose Avalanche (save the most in interest) or Snowball (fastest wins) strategy. Kyndo tracks every account and keeps you on plan.

GOAL TRACKING
Emergency fund, vacation, down payment — set your goals and watch Kyndo route your surplus income toward them automatically.

NET WORTH TRACKER
See your complete financial picture — assets, liabilities, and a 12-month history of your growth.

PRIVACY FIRST
Your financial data lives on your device. We never sell it, share it, or use it for advertising. Ever.

Built in Minneapolis, MN by Thrice M Financial Consulting, LLC.