Ginko is a personal balance-sheet that listens. Tell it what happened — in plain language, a screenshot, or a voice note — and ask it anything. No connected banks, no spreadsheets, no jargon.
Most money apps treat your life as a feed of transactions. Ginko treats it as a balance sheet — one you write yourself, in the words you already use.
We built Ginko for the kind of person who keeps a notebook. Who knows roughly what they own, what they owe, and what is coming — but has never had a place that holds all three together.
Banks show you yesterday. Spreadsheets demand discipline you don’t want to spend on Sunday afternoons. The robo-advisors don’t know your house, your second currency, the loan to a sibling, or the shares you bought a decade ago at a price you’d rather forget.
Ginko is the missing surface in between. A quiet, single-tenant ledger where every asset has a name, a story, and a tag. Where you can ask “If I had to liquidate this month, what could I actually access?” and get a real answer in seven seconds.
It is not advice. It is not optimization. It is a place to look at your own situation honestly — and decide, calmly, what to do next.
Ginko has read every account, tag, transaction and exchange rate in your ledger. Ask it the questions you would ask a smart friend who happened to know everything.
The reason most ledgers go stale is data entry. Ginko removes it. Type a sentence, drop a screenshot of a statement, or say it out loud — Ginko classifies, posts the entry, and shows you what changed.
Portfolio is the snapshot. Analysis is the cross-section. Ledger is the timeline. The same data — seen the way a question demands.
Net worth, allocation across cash, investments, real assets, receivables and liabilities — collapsed into a single, calm view.
Slice by liquidity, ownership, currency, or any tag you create. The dimensions you actually think in — not the ones a bank decided for you.
History on one tab, planned commitments on the other. Mortgage, salary, rates, school fees — all the cash-flow you already know is coming.
Every asset gets a name, a currency, and as many tags as you need: personal vs. family, high-liquidity vs. locked, daily-use vs. long-term reserve. The tags are yours — and every analysis honours them.
No bank credentials. No data sales. No advertising surface. A small, deliberately private product, made by a small team in Wellington.
No connected banks, no Plaid screen-scraping. Ginko only ever sees what you choose to tell it — which is also the only data worth analysing.
Your ledger starts on your device. Pro cloud backup is optional, signed in, and checked for integrity before restore.
Made by Starwish Limited — a small company in Aotearoa NZ. We make money from a Ginko Pro subscription, not from your data.
Free tier covers most early users. Pro raises Tell and Ask limits — for when Ginko has become part of how you think about money.
Download the iOS or Android app. Import a single account in three minutes. See what a balance sheet looks like when you wrote it yourself.