Ginko: Asset Clarity

Wealth, in your own words.

Most money apps treat your life as a endless feed of transactional noise. 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 single place that holds all three together. Banks show you yesterday. Spreadsheets demand discipline you don’t want to spend on Sunday afternoons. Ginko is the missing surface in between. It is a place to look at your own situation honestly—and decide, calmly, what to do next.

【 CORE FEATURES 】

• Tell Ginko: Bookkeeping Without the Effort The reason most ledgers go stale is data entry. Ginko removes it. Type a natural sentence, drop a screenshot of a financial statement, or say it out loud. Ginko instantly classifies, posts the entry, records the cost basis, and shows you what changed.

• Ask Ginko: Clarity in Seven Seconds Ginko reads every account, tag, and exchange rate in your ledger. Ask it the questions you would ask a smart friend who happened to know everything about your money:

• “If I needed cash urgently, how much could I actually access right now?”
• “Am I too heavily exposed to a single real estate property?”
• “Are there any structural risks or anomalies on my balance sheet right now?” Get deep, human-readable structural analysis in seven seconds.

• One Ledger. Three Lenses.

• Portfolio: Your snapshot. Cash, investments, real assets, receivables, and liabilities collapsed into a single, calm view.
• Analysis: Your cross-section. Slice and dice by liquidity, ownership, currency, or any custom tag you create.
• Ledger: Your timeline. History on one tab, planned commitments on the other. Mortgages, rates, and school fees—all the cash-flow you already know is coming.

• True Multi-Currency & Custom Tagging Hold accounts in 12 major currencies (USD, CNY, HKD, NZD, EUR, JPY, GBP, AUD, CAD, CHF, INR, KRW) with live FX rates. Tag your assets your way (e.g., Personal vs. Family, High Liquidity vs. Locked) and watch every deep analysis honor those boundaries.

【 ABSOLUTE PRIVACY (LOCAL-FIRST) 】

Your balance sheet is private. Ginko is intentionally built around that truth:

• No Bank Credentials: No linked accounts, no Plaid screen-scraping. Ginko only ever sees what you choose to tell it—which is also the only data worth analyzing.
• Local-First Data: Your ledger starts and stays on your device. Pro cloud backup is completely optional, securely authenticated, and checked for absolute integrity before restore.
• One Purpose: Made by Starwish Limited in Aotearoa NZ. We make money exclusively from Ginko Pro subscriptions, not from your data. No ads, no data mining.

Ginko doesn't push rigid financial products, nor does it hand out generic investment dictates. It is a quiet, single-tenant workspace that delivers absolute analytical clarity, leaving the calm execution entirely to you.

Download Ginko today. Take three minutes to import a single account, and see what a balance sheet looks like when you wrote it yourself.