Kumul is a simple, secure personal budget app that helps you track your daily income and expenses, plan your income with the 50/30/20 rule, grow your savings, set savings goals, and easily split shared expenses with a roommate or partner.
Split your monthly income into needs, wants and savings. Adjust the suggested split to fit your situation and update your plan whenever you like.
Log your spending by category and track multiple currencies — TRY, EUR, and USD — side by side. Net, income and expense totals are shown in the main currency you choose.
See your TRY, EUR and USD savings on a single screen, with your total and each currency balance at a glance.
Create multiple goals — a trip, education, an emergency fund — and track how close your savings get you to each one.
Open a shared space with a roommate or partner using an invite code. Settle up to see who owes whom, then copy the result with one tap.
Visualize your spending by category, your progress toward each goal and your monthly budget split with clear charts.
Set up rent, salary or subscriptions once and they get added automatically every month.
Tag your transactions, set a budget for each tag and keep an eye on your spending.
Totals are shown in the currency you pick; other currencies are converted at the current rate.
Premium — Export everything as CSV or PDF.
Sign in with Google or Apple in one tap.
Free, personalized suggestions based on your habits.
You can download Kumul for free from the App Store. Income and expense tracking, savings tracking, the 50/30/20 budget plan, recurring payments, tags and AI-powered tips are free. Multiple savings goals, detailed analytics, export and shared expenses are Premium features.
The yearly plan includes a 7-day free trial; the monthly plan does not. You can see current prices on the Premium screen inside the app.
Subscriptions are managed through the App Store. On your iPhone, go to Settings > your Apple ID > Subscriptions, pick Kumul and cancel anytime. If you switched devices, use “Restore Purchases” on the Premium screen.
TRY, EUR and USD. You choose your main currency, and transactions in other currencies are converted at the current rate and included in your totals.
No. 50/30/20 is a common suggestion — Kumul proposes that split, but you can change the amounts to fit your situation and update your plan anytime.
You create a shared space and add your roommate or partner with an invite code. Everyone adds expenses from their own app, and Settle Up works out who owes whom. The person who created the space can close it or remove members. Expenses in different currencies are not converted into each other — each is calculated separately.
No. Kumul doesn’t connect to your bank; you add your income and expenses yourself, so you can track your budget without sharing any bank details.
Sign in with your Google or Apple account in one tap. You don’t need to create a separate password for Kumul.
Kumul is currently live on the iOS App Store. The Android version is coming soon.
Follow the steps on the account deletion page to delete your account and data.
Have a question, a suggestion, or need help with an issue? Write to us. Kumul is built by a single independent developer, and we read every message.
Send an Email kumulapp@gmail.com