# vokse

> Zero-based envelope budgets for the whole household, bank sync in the US and Canada, receipts by camera and an AI assistant. Start your free trial.

vokse is a personal finance product for households. The assistant, the web app, the public REST API and the remote MCP server call the same audited tools; destructive actions wait for a human confirmation and every change carries a trace id. Languages: en, es, fr, de, it, pt-PT. Canonical pages are listed in English; add a locale prefix (for example /es) for the other languages.

## Product
- [Home](https://www.vokse.ai/)
- [Features](https://www.vokse.ai/features)
- [Budgeting](https://www.vokse.ai/budgeting)
- [Open banking](https://www.vokse.ai/open-banking)
- [Multi-currency](https://www.vokse.ai/multi-currency)
- [Transaction register](https://www.vokse.ai/transaction-register)
- [Money calendar](https://www.vokse.ai/money-calendar)
- [Reports and charts](https://www.vokse.ai/reports-and-charts)
- [History, undo and redo](https://www.vokse.ai/history-undo)
- [Goals and loans](https://www.vokse.ai/goals-and-loans)
- [Import and migration](https://www.vokse.ai/import-and-migration)
- [Pricing](https://www.vokse.ai/pricing)
- [Security](https://www.vokse.ai/security)
- [Compare](https://www.vokse.ai/compare)
- [iPhone and Android apps](https://www.vokse.ai/mobile)
- [Roadmap](https://www.vokse.ai/roadmap)
- [Status](https://www.vokse.ai/status)
- [vokse vs YNAB](https://www.vokse.ai/compare/ynab): vokse next to YNAB, row by row: the same zero-based envelopes plus an AI assistant, 41 currencies and EU hosting. Import your YNAB budget in one go.
- [vokse vs PocketSmith](https://www.vokse.ai/compare/pocketsmith): PocketSmith pricing, forecasting and MCP next to vokse: zero-based envelopes, a built-in assistant, undo history and EU hosting. Every cell dated.
- [vokse vs Actual Budget](https://www.vokse.ai/compare/actual-budget): vokse next to Actual Budget, row by row: the same envelopes, hosted in the EU with an assistant and 41 currencies, against a free app you host yourself.
- [vokse vs Fintonic](https://www.vokse.ai/compare/fintonic): vokse next to Fintonic, row by row: zero-based envelopes, an assistant on audited tools, 41 currencies, EU hosting, and a Fintonic review with dated facts.
- [vokse vs Finanzguru](https://www.vokse.ai/compare/finanzguru): Finanzguru pricing, budgets and export next to vokse, row by row: zero-based envelopes, an assistant that acts, 41 currencies, one plan, EU hosting.
- [vokse vs Bankin'](https://www.vokse.ai/compare/bankin): Bankin' next to vokse, row by row: envelopes instead of category caps, an assistant included, a household with roles, and one plan without ads.

## AI
- [AI assistant](https://www.vokse.ai/ai)
- [Forecasting](https://www.vokse.ai/forecasting)
- [Receipts & voice](https://www.vokse.ai/receipts-voice)
- [AI safety](https://www.vokse.ai/ai-safety)

## Solutions
- [Households](https://www.vokse.ai/solutions/households)
- [Couples & partners](https://www.vokse.ai/solutions/couples)
- [Frequent travellers](https://www.vokse.ai/solutions/travelers)
- [Expats & cross-border](https://www.vokse.ai/solutions/expats)

## Help centre & guides
- [Help centre](https://www.vokse.ai/help)
- [Glossary](https://www.vokse.ai/glossary)
- [Learn: budgeting guides](https://www.vokse.ai/learn)
- [Your first ten minutes.](https://www.vokse.ai/help/guides/getting-started): From an empty account to a working budget: add accounts, pick categories, assign this month's money and record the first transactions. Your first month.
- [One account, several households.](https://www.vokse.ai/help/guides/households-and-sharing): What a household is, what it keeps separate, how to run more than one, and how invitations, owner, editor and viewer roles and leaving work.
- [Give every euro a job.](https://www.vokse.ai/help/guides/envelope-budgeting): Zero-based budgeting without the spreadsheet: assign what you have to envelopes, spend from them, move money when reality disagrees, carry the rest over.
- [Connect once, type never.](https://www.vokse.ai/help/guides/connect-your-bank): Connect a US or Canadian bank in a few taps, pick the accounts to sync and let transactions arrive up to three times a day. What vokse sees, how to renew.
- [An accountant who read the manual.](https://www.vokse.ai/help/guides/ai-assistant): What the assistant can do for your budget, what it must ask you to confirm first, how to give it clear instructions and how the usage limits work.
- [Numbers that leave the app gracefully.](https://www.vokse.ai/help/guides/reports-and-export): Net worth, cash flow, spending and the other reports: pick a date range and the accounts to include, share the link, export as CSV, PDF or XLSX.
- [Your data, on a leash you hold.](https://www.vokse.ai/help/guides/privacy-and-data): What vokse stores and where (hosted in the EU), how to export everything as a ZIP of JSON files, and what deletion removes after the 30-day grace period.
- [One tap, then it lives on your home screen.](https://www.vokse.ai/help/guides/install-app): On Android, get the app on Google Play. On iPhone, Mac and Windows, install the web app from your browser: full screen, push notifications, one account.
- [How to budget as a couple without merging all your money](https://www.vokse.ai/learn/budget-as-a-couple): guide, updated 2026-09-13
- [How to budget with irregular income](https://www.vokse.ai/learn/irregular-income-budget): guide, updated 2026-09-13
- [What to do when you overspend a budget category](https://www.vokse.ai/learn/overspent-category): guide, updated 2026-09-13
- [How to run a household budget in two currencies](https://www.vokse.ai/learn/budget-in-two-currencies): guide, updated 2026-09-13
- [Envelope budgeting](https://www.vokse.ai/glossary/envelope-budgeting): glossary entry, updated 2026-09-13
- [Zero-based budgeting](https://www.vokse.ai/glossary/zero-based-budgeting): glossary entry, updated 2026-09-13

## Developers
- [Documentation](https://www.vokse.ai/docs)
- [MCP server](https://www.vokse.ai/mcp)
- [API reference](https://www.vokse.ai/docs/api): 188 operations in 28 resource groups, OpenAPI 3.0
- [Authentication](https://www.vokse.ai/docs/api/guides/authentication)
- [Households](https://www.vokse.ai/docs/api/guides/households)
- [Errors](https://www.vokse.ai/docs/api/guides/errors)
- [Pagination](https://www.vokse.ai/docs/api/guides/pagination)
- [Idempotency](https://www.vokse.ai/docs/api/guides/idempotency)
- [Rate limits](https://www.vokse.ai/docs/api/guides/rate-limits)
- [Receiving webhooks](https://www.vokse.ai/docs/api/guides/webhooks)
- [History, undo and redo in the API](https://www.vokse.ai/docs/api/guides/history)
- [MCP](https://www.vokse.ai/docs/api/guides/mcp)

## Company
- [About](https://www.vokse.ai/about)
- [Contact](https://www.vokse.ai/contact)
- [Sitemap](https://www.vokse.ai/sitemap)

## Legal & privacy
- [Privacy](https://www.vokse.ai/privacy)
- [Cookies](https://www.vokse.ai/cookies)
- [Terms](https://www.vokse.ai/terms)
- [Data Processing Agreement](https://www.vokse.ai/dpa)
- [Refund policy](https://www.vokse.ai/refund-policy)
- [Accessibility](https://www.vokse.ai/accessibility)
- [Sub-processors](https://www.vokse.ai/sub-processors)
- [Account deletion](https://www.vokse.ai/account-deletion)

## Feeds and machine-readable
- [MCP server](https://api.vokse.ai/mcp): remote MCP over streamable HTTP with OAuth 2.1; read-only or full grant per household
- [OpenAPI 3.0 document](https://api.vokse.ai/openapi.json): the public REST API, 188 operations
- [Sitemap](https://www.vokse.ai/sitemap.xml)
- [Changelog RSS](https://www.vokse.ai/changelog.xml)
- [Status](https://www.vokse.ai/status)
- [security.txt](https://www.vokse.ai/.well-known/security.txt)