Biankbook
Early Access

Stop guessing where
your money went.
Start leveling up.

A personal finance app that rewards consistency. Track transactions, manage budgets, and unlock powerful tools as you build better money habits.

No credit card requiredNo bank linking
app.biankbook.com
Bianki dashboard showing accounts, transactions, budgets, and gamification
6+Account Types
YNAB-StyleZero-Based Budgeting
XP & StreaksGamified Tracking
EncryptedYour Data
How It Works

Up and running in minutes

01

Create your account

Sign up in seconds. No credit card, no bank linking — just an email and you’re in.

02

Track everything

Add accounts, log transactions, set budgets. Every action earns XP and builds your streak.

03

Level up your finances

Unlock analytics, forecasting, and insights as you level up. Better habits, better tools.

Welcome back, John! 🔥 5-day streak

Here's your financial overview for March 2026

5 Day Streak

Keep it going!

Level 4 — Saver

Total Balance

$23,010

↑ $4,251 from last month

Income

$12,485

Salary + freelance

Expenses

$8,234

↓ vs last month

Savings Rate

34.1%

Keep saving!

Spending by CategoryTop 5 only
$8,234Total Spent
Housing36%
$2,970
Food & Dining22%
$1,814
Transport18%
$1,482
Recent TransactionsView All →
Rent PaymentToday · Housing
-$1,500
Monthly SalaryToday · Income
+$5,200
Whole FoodsYesterday · Groceries
-$87
Dashboard

Your financial snapshot

See your total balance, income, expenses, savings rate, streaks, and net worth chart — all at a glance.

  • Real-time balance and savings overview
  • Net worth trend chart
  • Daily streak and level tracking
  • Quick access to recent transactions

Accounts

Manage your bank accounts and finances

Total Balance

$23,010

Across 3 accounts

Cash Accounts

$25,350

2 accounts

Credit & Loans

-$2,341

1 account

You have $2.3K in active liabilities. Consider paying down high-interest debt.

Your Accounts

Add Account
Main CheckingChecking
$5,420.00Checking
Emergency FundSavings
$18,250.00Savings
Visa PlatinumCredit Card
-$2,340.50Credit Card
$7,659.50 available23%
Due: 15th
Accounts

All your accounts, one view

Checking, savings, credit cards, cash, e-wallets, loans — everything in one unified dashboard with real-time net worth tracking.

  • Unified view across all account types
  • Real-time net worth calculation
  • Track assets, liabilities, and cash liquidity
  • Support for multi-currency accounts

Transactions

March 2026

Search...
AllIncomeExpenses
AllClearedPending

Total Spent

$2,110

-12% vs last mo

Total Income

$5,200

+3% vs last mo

Filtered Total

$7,310

24 transactions

Daily Pace

$72/day

8% below avg

TransactionAmount

Salary Deposit

Income

+$5,200

Rent Payment

Housing

-$1,500

Whole Foods

Groceries

-$87.40

Netflix

Pending

Subs

-$15.99

Starbucks

Food

-$6.50

To Savings

Transfer

-$500
1-6 of 24
Prev123Next
Transactions

Smart transaction tracking

Hierarchical categories, atomic transfers between accounts, and automatic recurring detection — every transaction earns XP.

  • Hierarchical category system with subcategories
  • Atomic transfers between your accounts
  • Automatic recurring transaction detection
  • Every transaction logged earns XP

Budgets

Track your spending limits by category

March 2026
Overall: $4,190 / $5,750
73%
Housing
60%
$1,500 / $2,500
Food & Dining
91%
$1,365 / $1,500
Shopping
108%
$864 / $800
Over by $64
Transport
47%
$376 / $800
Subscriptions
57%
$85 / $150
Add Budget
Budgets

YNAB-style budgeting

Zero-based budgets with rollover support. Set category limits, track spending in real-time, and hit your goals to maintain your streak.

  • Zero-based budgeting methodology
  • Automatic rollover of unspent amounts
  • Health indicators: on track, warning, over budget
  • Budget adherence builds your daily streak

Recurring Rules

Automate your regular transactions

Active

5

Running automatically

Paused

1

Temporarily stopped

Monthly

$3,250

Recurring expenses

Rent Payment

Main CheckingHousing
-$1,500

Salary Deposit

Main CheckingIncome
+$5,200

Netflix

Visa PlatinumEntertainment
-$15.99

Gym Membership

GCashHealth
-$45

Car Insurance

Main CheckingTransport
-$189

Savings Transfer

Main CheckingTransfer
-$500
Recurring Rules

Automate your finances

Set up recurring transactions for rent, subscriptions, salary, and transfers — they generate automatically so you never miss a beat.

  • Flexible frequency: daily, weekly, monthly, yearly
  • Auto-generate transactions on schedule
  • Pause and resume rules anytime
  • Track monthly recurring totals

Rewards

Earn badges and level up your financial journey

SAVER

Level 4

2,450 / 4,000 XP

1,550 XP until Level 5

🔥

5 Days

Current Streak

Best: 12 days

Freeze

2 available

TROPHY CASE

First Budget

Week Warrior

Savings Star

ALL BADGES

AllStreakBudgetSavingsMilestone

First Budget

Unlocked

Week Warrior

Unlocked

Savings Star

Unlocked

Budget Master

Unlocked

30 Day Streak

17%

Big Saver

42%

RECENT XP

Logged transaction

2m ago

+15

Stayed under budget

1h ago

+50

Daily login bonus

8h ago

+10

Added savings goal

1d ago

+25
Rewards

Level up your finances

Every transaction earns XP. Maintain streaks, unlock badges, and climb levels — turning good financial habits into a rewarding journey.

  • XP system with levels and progression
  • Daily streaks for consistent tracking
  • Achievement badges for milestones
  • Gamified financial habits
Gamification

Level up your financial life

Daily Streaks

Log transactions daily to build and maintain your streak

Badges

Earn badges for financial milestones and good habits

XP System

Every action earns experience points toward your next level

Feature Unlocks

Reach new levels to unlock advanced tools and analytics

Achievements

Complete challenges to prove your financial discipline

Net Worth Tracking

Watch your wealth grow with real-time portfolio tracking

Lv.3
Cash Flow Analytics
Lv.5
Budget Forecasting
Lv.7
Net Worth Tracking
Lv.8
Advanced Insights
Pricing

Simple and transparent

Everything you need to manage your finances. No tiers, no upgrades, no catch.

$0/forever

No hidden fees. No premium tier.

  • Unlimited accounts & transactions
  • Zero-based budgeting with rollover
  • Recurring transaction rules
  • XP, levels, streaks & badges
  • Spending analytics & charts
  • Net worth tracking
  • Multi-currency support
  • Cash flow forecasting (unlockable)
Get Started — It's Free
Encrypted data
No bank linking required
No credit card needed
Roadmap

What's coming next

Native Mobile Appsv2.0

iOS and Android apps with offline support and biometric auth.

Receipt Scannerv2.0

Snap a photo. Auto-extract merchant, amount, and category.

AI Financial Coachv3.0

Personalized insights and spending recommendations powered by AI.

Investment Trackingv3.0

Stocks, crypto, and retirement accounts in your net worth dashboard.

FAQ

Common questions

Get Started

Ready to take control?

Join early and be among the first to build better money habits — one level at a time.