Kyndo: Know Your Money

Finance for Variable Income

Free · Designed for iPad. Not verified for macOS.

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.

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NEW: Track tax deductions right in the app • Log business mileage — Kyndo calculates your deduction using the IRS standard mileage rate • Log business expenses by category, with automatic 50% calculation for meals • Your deductions now directly reduce your estimated tax bill on the Tax Intelligence screen IMPROVED • Replaced manual date typing with an easy tap-to-select calendar throughout the app • General bug fixes and stability improvements

Version 1.0.8

The developer, Thrice M Financial Consulting, LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Financial Info
    • Contact Info

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

The developer has not yet indicated which accessibility features this app supports. Learn More

Information

Seller
  • Thrice M Financial Consulting, LLC
Size
  • 26.1 MB
Category
  • Finance
Compatibility
Requires iOS 15.1 or later.
  • iPhone
    Requires iOS 15.1 or later.
  • iPad
    Requires iPadOS 15.1 or later.
  • iPod touch
    Requires iOS 15.1 or later.
  • Mac
    Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
  • English
Age Rating
9+
Copyright
  • © 2026 Thrice M Financial Consulting, LLC
  • Developer Website
  • Privacy Policy

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