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Koinkat, developed and published by Marco Sburlino, is a local-first desktop application designed for multi-currency personal finance management. Falling into the personal finance and budgeting software category, it enables users to track their financial activity across multiple currencies and multiple bank accounts from a single interface. The current release is version 0.1.1, and two versions of the software have been published to date, indicating an early-stage project with ongoing development. The primary purpose of Koinkat is to give individuals a private, self-contained tool for monitoring account balances, transactions, and overall financial position without relying on external services. A defining characteristic of the application is its commitment to data sovereignty: all financial data is stored exclusively on the user's own device, with no cloud synchronization, no telemetry collection, and no requirement to create user accounts of any kind. For connectivity, Koinkat supports integration with European banks through the PSD2 open banking framework via the Enable Banking service, allowing users to import account information directly from their financial institutions. Alternatively, the application can be used entirely in manual mode, where users enter and manage their own financial records without any bank connection. Typical use cases include individuals managing accounts in different currencies, users in Europe who want automated bank data access without surrendering privacy, and privacy-conscious users who prefer fully offline financial tracking. By combining multi-currency support, optional PSD2 bank connectivity, and a strict local-first architecture, Koinkat positions itself as a privacy-focused alternative to cloud-based personal finance platforms, suitable for users who want full control over where their financial data resides and how it is accessed.
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