Know where your money goes.
Skarb tracks daily and recurring spending across cards, cash and currencies, keeps budgets and savings goals in one place, and shows you the whole picture in seconds.
Free for personal use · No card required · Ukrainian and English
Everything your money needs, in one place
Quick add
Log an expense in two taps from the dashboard or the mobile bar — no forms to hunt for.
Accounts & transfers
Track every card, credit limit and cash wallet, and move money between them without losing the trail.
Recurring & subscriptions
Salary, rent and subscriptions post themselves on schedule, so nothing slips through.
Monthly budgets
Set an income target and an expense limit, and see at a glance whether you're on track.
Savings goals
Set a target and a deadline; top up manually or let a monthly contribution do it for you.
Visual analytics
Category breakdowns, balance trends and net savings, charted for the period you choose.
Multi-currency
Spend and save in any currency; everything rolls up to your base currency at official NBU rates.
Ukrainian & English
The full app, translated — switch languages any time from Settings or the top bar.
How it works
- 1
Add your accounts
Cards, cash, credit — set up the accounts you actually use.
- 2
Log spending and set recurring rules
Quick-add day-to-day expenses; let salary and bills post themselves.
- 3
Watch budgets and goals update
Every entry rolls straight into your budget, analytics and savings progress.
Frequently asked questions
Is Skarb free?
Yes — the personal tier is free, with full tracking, budgets and goals for one user.
Do I need to connect my bank?
No. Skarb works with quick manual entry and recurring rules, so nothing needs bank access.
Which currencies does it support?
Any currency you use day to day, converted to your base currency at official National Bank of Ukraine rates.
Can my family use it together?
A shared family workspace with joint budgets and goals is planned; today each account is personal.
How do I sign in?
With Google, or with an email address and password — no separate app download required.