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Your time is your most valuable asset

You can earn more money. You can't earn more time. Kronokash converts every dollar you spend into the time it took to earn it — so you stop wasting the one thing you can never get back.

Join the Waitlist How It Works

Your daily income: $285/day

Netflix subscription $15.49 = 0.05 days

New iPhone $1,199 = 4.2 days

Car payment (monthly) $580 = 2.0 days

Monthly subscriptions $312 = 13.1 days/yr

The Truth About Money

Money is renewable. Time is not.

You can lose money and make it back. You can go broke and rebuild. But every minute you spend is gone forever. Time is the only truly scarce, finite, and non-renewable resource you have.

Yet every budgeting app on the market shows you dollars and cents — an abstraction that hides what you're actually spending. When you see "$1,200 rent," it's just a number. When you see "4.2 days of your life," it's a decision.

Kronokash exists because we believe you deserve to know the real cost of everything — measured in the one currency that actually matters.

How It Works

Three steps to time-aware spending

Most budgeting apps show you numbers. Kronokash shows you what those numbers actually cost.

Add your income streams

W2 salary, freelance gigs, investments, side hustles. Kronokash calculates your true daily earning rate across all sources.

Connect your bank

Securely link your accounts. Every transaction is automatically converted from dollars to life days.

See your life in days

That daily coffee? 0.02 days. Your rent? 5.3 days. Finally understand what your spending actually costs you.

Try It Now

How much of your life does it cost?

Enter your annual salary and see everyday purchases in a whole new light.

Annual salary

Morning coffee

$5.50

0.03 days

Monthly subscriptions

$65

0.32 days

Monthly rent

$1,700

8.27 days

New car

$35,000

170.3 days

Vacation

$3,200

15.6 days

Daily eating out

$4,380/yr

21.3 days/yr

Features

Built for real financial clarity

Not another expense tracker. A fundamentally different way to see your money.

⏱

Life Days Calculator

Every purchase converted to the hours and days you traded for it. Makes impulse spending feel real.

💰

Multi-Income Tracking

W2, 1099, investments, rental income. See your true daily rate across all streams, with tax adjustments.

🏦

Bank Sync

Securely connect your accounts with Plaid. Transactions auto-categorize and convert to life days instantly.

📉

Debt Freedom Timeline

See exactly how many life days your debt costs. Get a clear payoff projection with actionable milestones.

📊

Tax-Aware Budgeting

Estimates for federal, state, and self-employment tax so your daily rate reflects what you actually keep.

🔒

Security First

Bank-level encryption, row-level data isolation, and zero-knowledge architecture. Your financial data stays yours.

Pricing

Simple, honest pricing

Try everything free for 14 days. No credit card required.

Monthly

Annual Save 26%

Pro

$9.99/mo

14-day free trial

Unlimited income streams
Unlimited transactions
Debt payoff projections
Tax-aware calculations
Savings goal tracking
CSV export & import

Join the Waitlist

Business

$22/seat/mo

14-day free trial

Everything in Pro
Multi-entity support
Team workspaces
Client invoicing
Advanced reports
API access

Contact Sales

Enterprise

$297/mo

14-day free trial

Everything in Business
Unlimited seats
Priority support
White-label options
Dedicated account manager
Custom integrations

Contact Sales

All plans start with a 14-day free trial. No credit card required to start.

How We Compare

Built different from the rest

Most budgeting apps show you dollars. Only Kronokash shows you the time cost of every purchase.

Feature	Kronokash	Monarch	YNAB	Copilot
Monthly price	$9.99	$14.99	$14.99	$13.99
Life days conversion	✓	✕	✕	✕
Multi-income tracking	✓	✕	✕	✓
Tax-aware budgeting	✓	✕	✕	✕
Debt payoff projections	✓	✓	✕	✕
Bank sync	✓	✓	✓	✓
Savings goals	✓	✓	✓	✕
Web + Desktop + Mobile	✓	✓	✓	iOS only
Free trial	14 days	7 days	34 days	14 days

FAQ

Frequently asked questions

Everything you need to know about Kronokash.

A life day is the amount of time you traded to earn a given amount of money. If you earn $300/day and spend $60 on dinner, that dinner cost you 0.2 life days — about 4 hours and 48 minutes of your working life. It makes abstract dollar amounts feel real.

Absolutely. We use bank-level encryption (TLS 1.3), application-level data isolation (every query is scoped to your account), PBKDF2 password hashing, and JWT token rotation. Bank connections go through Plaid — we never see or store your bank credentials. See our Privacy Policy for full details.

No. You can manually add transactions, import CSV files from your bank, or connect via Plaid for automatic syncing. Kronokash works great with manual entry — many users prefer the intentionality of logging each purchase.

After your trial ends, you'll need a paid subscription to continue using Kronokash. No credit card is required to start your trial, and waitlist members get locked-in pricing at $7.99/mo (instead of $9.99) for as long as their subscription stays active.

Yes. You can export all your transactions as a CSV file at any time from Settings → Data & Privacy → Export Data. You own your data and can download it or delete your entire account whenever you want.

Most apps track dollars. Kronokash tracks time. By converting every expense to life days, you gain a visceral understanding of what your spending actually costs. We also offer multi-income tracking (W2, 1099, investments), tax-aware calculations, and debt freedom timelines — all at a lower price than competitors.

No. Kronokash provides informational tools and estimates only. Our tax calculations, projections, and insights are approximations to help you understand your finances. Always consult a qualified financial advisor or tax professional for decisions that affect your money.

Join the Waitlist

Be the first to know when Kronokash launches. Early access members get locked-in pricing at $7.99/mo.

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