You earn well.
So why does nothing stay?
Skarbiec shows you exactly where your money goes — and what to do to keep more of it. You import your bank statement, we do the rest.
See how it looks in practice
Transactions — full list of operations
Everything you need
A complete tool for managing household finances — from bank statement imports to net worth tracking.
Bank import
Import CSV statements from mBank, PKO, ING, Santander, Pekao and Revolut in just a few clicks. Or add transactions manually — your call.
Bank accounts
Add up to 4 accounts and track balances. Transfers between accounts don't skew your stats.
Budgeting
Plan monthly spending, track actual expenses and get alerts when you're approaching limits.
Analytics
Trend charts, month comparisons, category breakdowns and yearly summaries.
Cash Flow
Cash flow diagram — see where your money comes from and where it goes. A quick overview of income and expenses on a monthly basis.
Month comparison
Compare any two months side by side — expenses, income, savings, categories. Instantly see whether things are trending in the right direction.
Annual summary
Full year review: total income, expenses, savings and top categories. Perfect for evaluating progress and planning the year ahead.
Savings goals
Set goals, track progress and see how much you need to save monthly. Create dedicated funds — for holidays, renovations or your safety net.
Investments
IKE, IKZE, PPE, PPK, OIPE, stocks, bonds, ETFs. All your investments in one place. Automatic market price updates via API. Profit and loss for every position at a glance.
Net worth
Assets, liabilities, real estate, loans, savings. Your entire wealth in one place — net worth history with a chart of changes over time.
Subscriptions
Automatic detection of recurring payments. Never forget about any subscription.
Security
Your financial data is private. Encrypted connections, data isolation, no third-party access.
How does it work?
Sign up
Create an account and use the app for 14 days without adding a card. After the trial, choose a plan if you want to continue.
Import your data
Download a CSV statement from your bank and upload it. We'll automatically detect the format.
Take control
Review spending, set budgets, track goals. Everything on one dashboard.
Simple pricing
Monthly and yearly subscriptions start with a 14-day trial. Lifetime access is a one-time payment.
Monthly
Full access to all features. Cancel anytime.
- All features with no limits
- Import from 6 Polish banks
- Budgets, goals and analytics
- Investments: IKE, IKZE, ETF, stocks
- Cash flow, comparisons and summaries
- Net worth and savings goals
Yearly
~9.92 PLN/month — 5 months free
Everything from the monthly plan, at a better price.
- All features with no limits
- Import from 6 Polish banks
- Budgets, goals and analytics
- Investments: IKE, IKZE, ETF, stocks
- Cash flow, comparisons and summaries
- Net worth and savings goals
Lifetime
vs. 2 years of the monthly plan = 456 PLN. Pay once and done.
Pay once, access forever.
- All features with no limits
- Import from 6 Polish banks
- Budgets, goals and analytics
- Investments: IKE, IKZE, ETF, stocks
- Cash flow, comparisons and summaries
- Net worth and savings goals
- All future features included
Your finances on a higher level.
Frequently asked questions
Is my financial data secure?
Yes. Data is stored in an encrypted database in the EU. We don't share it with anyone and we don't have access to your bank account — you only import CSV files.
How does the free trial work?
After signing up you get 14 days of full access without providing a credit card. After that, choose a monthly, yearly or lifetime plan to continue.
Which banks can I import from?
We support CSV and Excel statements from any bank. Just download your transaction history and upload it to Skarbiec with the 3 key columns: date, transaction, amount.
Can I track expenses in different currencies?
Yes. The app automatically fetches exchange rates from NBP and converts everything to your chosen base currency.
Can I cancel my subscription?
Yes, at any time. After canceling, you retain access until the end of your paid period. Your data won't be deleted.
Start controlling your finances today
Join people who consciously manage their household budget.
Try for freeSet up in 30 seconds. No card required.