A single honest number
Kombyno pulls every account, asset and half‑remembered pension into one place, then does the maths, so you always know exactly where you stand.
Non‑custodial · record‑only · nothing to sell you
01
own.
+€0
02
owe.
−€0
03
forgot.
Kombyno remembers, so you don’t have to.
own − owe = €0
one honest number
Not a feed. Not a marketplace. A ledger, a real double-entry engine underneath, plain language on top. Your net worth moves for reasons you can name.
Everything that matters is encrypted on your device before it leaves: amounts, balances, merchants, notes. The server keeps ciphertext. We couldn't peek if we wanted to, so we designed it so we can't.
your device
our server
We never touch your money. Kombyno records; it never holds.
Amounts, merchants and notes are ciphertext before they leave your device.
No selling, no upselling, no 'personalised offers'. Nothing to sell you. Not even your data.
The server's view of your net worth: ◼◼◼◼◼◼.
Accounts, assets, debts, the lot, added in plain language.
One number, updated as life happens.
Every change accounted for. Double-entry underneath, no drama on top.
Kombyno is small, private and deliberately unhurried. Leave an address and we'll send an invite when a seat opens.
No newsletter. No 'community'. Just the invite. By requesting one you consent to us storing this address for that purpose alone: privacy notice.