The statement, corrected
Your bank shows you what already happened.Ankora shows you what is already committed.
“Already committed” is money still on your account but already promised: the insurance due on the 15th, the road tax coming in November. Ankora counts it ahead of time.
- The balance you read at your banktyped in by you — Ankora never connects to any bank
- 1,240.00 €
- Car insurance · debited on the 15th
- − 280.00 €
- Road tax · November
- − 162.00 €
- Still truly yoursonce the insurance and the tax are counted
- 798.00 €
- Data encrypted, hosted in the European Union
- No data selling
- FR · EN
Three principles
An honest way to talk about money.
Ankora isn't trying to sell you an investment or a card. We separate, we project, we simulate. That's it. You alone decide.
Earmarked provisions
Every reserved euro has a name: insurance, road tax, boiler maintenance. Nothing slips away without you knowing.
Free reserve
What's actually yours, after commitments. The real number — not the illusion of a gross balance.
What-if simulator
Renegotiate electricity? Switch provider? Ankora shows you the impact over 12 months before you decide.
The month's cascade
From salary to net available.
At a single glance.
No more mystery about where your money goes. Every step is visible: income, daily expenses, available money. You see immediately if anything drifts.
- Income+2,466 €
- Daily expenses−1,959 €
of which 59 € smoothed into earmarked provisions
A provision: money set aside each month for a bill that only lands once or twice a year.
- Available money+507 €
What if you changed one thing?
Pick what you would pay. See what that single change gives you back, month after month. This is what Ankora does with every decision.
Scenario
I would pay
28 €You pay 42 € a month. Market offers go down to 18 €.
You save 14 € a month.
What this choice gives back
+84 €
cumulative over 6 months
| Month | Cumulative gain |
|---|---|
| Sep | +14 € |
| Oct | +28 € |
| Nov | +42 € |
| Dec | +56 € |
| Jan | +70 € |
| Feb | +84 € |
Demo based on average assumptions. Ankora does not provide investment advice. No bank import — you enter your charges manually.
Frequently asked questions
- What does it cost?
- Nothing. Ankora is free, there is no paid tier, and no feature is reserved for a higher plan. That commitment is written into the terms, not just stated here.
- Why a second app when I already have my bank's?
- Your bank's app shows your balance — what already happened. It doesn't tell you that the insurance due the 15th and the November tax are already promised. Ankora keeps that register: what's already committed, counted in advance, so the figure you read is the one you can actually spend. And Ankora never connects to your bank — no data is read from your account: you type in your own figures.
- Is Ankora a financial advice tool?
- No. Ankora is a budgeting and financial education tool. It does not provide investment recommendations or personalised financial advice.
- Where is my data stored?
- Your data is hosted in the European Union (Supabase, EU region) with encryption at rest and strict per-user isolation via Row Level Security.
- Can I share my data?
- By default, your space is 100% private. Optional shared pockets (trips, joint projects) are coming in a future release — you'll explicitly choose what you share, and with whom.
Start with what's already committed.
Free, with no paid offering — it's written in the terms. No card, GDPR export anytime. We keep it simple because it's already complicated enough.
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