Do I need to connect my bank?

No - and that is deliberate. Kesoria is manual-entry by design, so it works for any account in any country, with no bank-sync fees, no third party touching your logins, and full privacy. You update balances yourself, in about a minute a month.

The 30+ calculators, guides and demo are free forever, no account needed. Net-worth tracking starts with a free trial of the full experience; afterwards you keep a free tier for core tracking, and Pro unlocks history, automation, unlimited goals and reports.

Which currencies and countries are supported?

Over 160 currencies, and every country - because tracking is manual and consolidation is currency-based, there is no dependency on any particular banking network. Kesoria is built for globally-mobile earners.

How does the Financial Fitness score work?

It rates eight pillars of your finances from 0-100. Six are computed automatically from what you already track (emergency fund, debt, investing, retirement, net worth and goals); only budgeting and insurance are yours to answer. Unanswered pillars simply lower your completeness, so the score can only rise as you fill it in - it never rewards leaving things blank.

Is my financial data safe?

Your data lives on our own infrastructure - never sold, never shared for advertising. Because tracking is manual, we never hold your bank credentials. You can export everything to a spreadsheet, or permanently delete your account and all its data, at any time from Settings.

What happens to my data if I stop paying?

Nothing is deleted. If you do not continue with Pro, your account simply moves to the free tier - you keep your data, can still view and export it, and continue core tracking. Pro-only features pause until you upgrade again.

How do I cancel or get a refund?

Cancel any time from Settings - your plan stays active until the end of the paid period and simply does not renew. Refunds are covered by our 30-day guarantee and handled by Dodo Payments, our payment provider.

Help Centre

Everything you need to get the most out of Kesoria - from your first account to your monthly rhythm. Most answers are one click away.

Getting started

Zero to your first net-worth snapshot, in six steps.

1
Create your free account
Start free in under a minute - no card, no bank connection, ever. You get multi-currency net-worth tracking, 30+ calculators, and every guide from day one.
2
Add your accounts, in any currency
Add each account in the currency you actually hold it in - USD, EUR, THB, anything. Kesoria consolidates them into one true net-worth number so you never do the currency maths yourself.
3
Choose the currency you think in
Pick one base currency and every balance is shown converted to it, using daily exchange rates. Change it any time - your whole picture re-converts instantly.
4
Set a goal that matters to you
FIRE, a house deposit, an emergency fund, or getting debt-free. A goal turns a number into progress you can actually watch move each month.
5
Save your first monthly snapshot
One click captures this month's net worth. Come back monthly and your trend line and goal projections build themselves - about a minute a month.
6
Check your Financial Fitness
See one score across eight pillars of your finances, most of it computed automatically from what you already track - so you know exactly where to focus next.

Create your free account

Feature guides

What each part of Kesoria does, and where to find it.

Multi-currency net worth

The one number a spreadsheet cannot keep for you: everything you own and owe, across every currency and country, consolidated and always current.

Start free Read: multi-currency tracking

Goals & FIRE planning

Track FIRE, Coast FIRE, a house deposit or an emergency fund, and see the projected date you reach each one as your real numbers change.

Start free Read: planning for financial independence

Financial Fitness score

A single 0-100 score across eight pillars - emergency fund, debt, investing, goals and more - that updates itself from the data you already track. Try the free 2-minute assessment before you even sign up.

Start free Take the free assessment

Balance-sheet report

Pro

A clean, branded balance sheet of everything you track - ideal to hand to an accountant or mortgage broker, emailed to you on demand.

See Pro plans

30+ financial calculators

Compound growth, mortgage, FIRE, currency conversion and more - all free, forever, no account needed. Model a decision in seconds.

Open

Guides & Journal

Plain-English guides on investing, debt, emergency funds and global money, plus the Kesoria Journal - all free to read.

Open Browse the Journal

Billing & account

Plans, upgrades, cancellations and your data - no fine print.

Free vs Pro

Start free and stay free for core tracking. Pro adds the depth serious planners want:

• Track net worth across every currency (Free)
• Monthly snapshots and full net-worth trend history Pro
• Unlimited goals - FIRE, Coast FIRE, emergency fund and more Pro

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Cancel, refunds & your data

Cancel any time - your plan runs to the end of the period and simply does not renew. Our 30-day guarantee is handled by Dodo Payments. Export to CSV or delete everything, whenever you want.

Start free Refund policy

Troubleshooting

Quick answers to the things that occasionally surprise people.

My net worth looks off

Balances are converted using daily exchange rates, so figures can move a little day to day even if you changed nothing. Check that each account is set to the currency you actually hold it in - that fixes almost every surprise.

I was signed out on my own

For your security, Kesoria signs you out automatically after a period of inactivity. Nothing is lost - just sign back in and everything is exactly where you left it.

Can I install Kesoria like an app?

Yes. On mobile or desktop, use your browser's "Add to Home Screen" or "Install" option to run Kesoria full-screen like a native app. It stays fast and private - still no bank connection.

Why is a calculator labelled "US-specific"?

A few calculators model rules that only apply in the United States (for example Roth conversions or Social Security). We label them honestly rather than pretend US mechanics are universal.

Frequently asked questions

The essentials, in plain language.

Still need a hand?

If your question is not answered here, we are glad to help.

Send us a note and we will get back to you. Clear, honest answers - no phone tree, no runaround.

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