Where your money flows. Every account, your partner's too. One picture.
You connect your accounts read-only and Kasandro draws the river: from inflows, through your accounts, to where it empties into shops, subscriptions and fuel. You see places, hours and habits over the years. Money moving between the two of you is the same water, not spending. And once a month, you get a letter from yourself 30 years from now.
- Read-only, PSD2 via Enable Banking
- Transfers between you two are not spending
- AI processed in the EU
- Delete everything in one tap
10,056.59 zł flowed out
of 16,620 zł in inflows · 7,052.41 zł stays · 3,560 zł circulates between your accounts
6 accounts · 4.99 zł each / mo
- water: your money
- leak (an observation, not advice)
- own transfers: the same water
The width of a ribbon is the amount. Hover to see its path from source to mouth; click a mouth to flow deeper; right-click to change the category.
Sample data: Ania and Tomek, September 2026. Click, scroll, drag.
Ask about your money. The answer comes from your transactions.
Mostly Tuesdays and Thursdays, on gym days. Since 2018: 22,590 zł.
Answers come only from your transactions. We never guess. Sample data.
One river, three bends.
No ten-step wizard. Three places where the river turns, and one thing to do at each.
Once your accounts are connected, the history is there straight away: Enable Banking returns up to 24 months of transactions, so your first river already has its bends. It usually takes 3 minutes.
- 01 / BANKS
You log in at your own bank
You pick a bank, confirm read-only consent in your bank's app and tick the accounts that should flow into Kasandro. 4.99 zł a month for each.
- 02 / RIVER
Kasandro draws the river
Shops, places, hours, years. Transfers between your accounts are the same water, not spending. Everything else gets a category, a shop, a place and an hour.
- 03 / LETTER
Every month, a letter from you 30 years from now
The month's three leaks, the depth map, the hour grid. Once a month, a letter from downstream: habits, never people; one small thing to try.
Six accounts, one river.
His account, her account, the joint one for the mortgage, the business one, two savings accounts. Money lives in six places, which is why nobody knows where it is. Kasandro merges them into one river.
Each of you connects your own banks with your own consent. "Paying you back for groceries" is the same water between channels: neither income nor spending, for anyone.
- Each of you with your own consent, at your own bank.
- A business account can stay private and still count in the total.
- "Who paid" is a filter, not two apps.
- Kuba and Marta have one joint account and two salaries: they pay 4.99 zł, not 9.98 zł. You pay per account, not per person.
What your partner never sees: transactions from an account you do not share. The household total gives nothing away about a private account.
Where the water runs deepest.
Card payments carry a place and a time. On a real map you can see that the gym, Lidl and Żabka form one basin: 71 % of Żabka visits fall on gym days, on the way to the gym.
- water: where you spend
- leak: where the most flowed out
The real map (OpenFreeMap, OpenStreetMap data) loads when you scroll here.
© OpenFreeMap © OpenMapTiles · OpenStreetMap contributors- 01Lidl, Kolejowa18 visits1,212.40 zł28 % of spending at places with an address
- 02Orlen, Żorska11 visits1,060.02 zł25 % of spending at places with an address · leak
- 03Żabka, Kolejowa26 visits612.10 zł14 % of spending at places with an address · leak
- 04Biedronka, Gliwicka7 visits486 zł11 % of spending at places with an address
- 05Żabka, Rynek17 visits402 zł9 % of spending at places with an address · leak
- 06Żabka, Żorska9 visits200 zł5 % of spending at places with an address · leak
- 07Rossmann, Rynek3 visits189 zł4 % of spending at places with an address
- 08CityFit (siłownia)1 visit129 zł3 % of spending at places with an address
The full list is in the app.
In 2022: 31 shop visits a month. In 2026: 52. Three Żabka shops within 900 m of the gym add up to 1,214.10 zł and 52 visits, 41 after 18:00.
A letter from downstream.
Once a month, you get a letter from yourself 30 years from now. Your future self knows your transactions, works out what they grow into and takes your habits to task, never you. At the end, always one small thing you can undo, never a product to buy.
Transcript (10 s): "Hi. I am writing from downstream, where everything eventually flows. From here I can see your September: 52 visits to Żabka. With attendance like that, you have earned a locker for your slippers there."
Synthetic voice (ElevenLabs, EU region), labelled as AI. For 2.99 zł a month, the letter is read in an older version of your own voice; the first one is free.
Hi. I am writing from downstream, where everything eventually flows. From here I can see your September: 52 visits to Żabka, 1,214 zł. With attendance like that, you have earned a locker for your slippers there.
Netflix 49 zł, last price change in March. That is not spending, that is a trickle leaving while you sleep. Over 30 years at 5 % a year it adds up to 40,780 zł: a lake that is not there.
One thing for October, reversible: pause Netflix for a month. If you miss it, you can turn it back on in a minute.
assumptions: 49 zł a month for 30 years, 5 % a year, no tax or inflation
Kasandro is an insight tool for your finances, not investment or financial advice.
Eight rules you can see in every number.
- Own transfers are not spendingA transfer between your accounts is the same water, on both sides.
- Refunds count in the month they arriveA refund reduces spending in the month the money came back.
- A partial month stays out of averagesIt is shown and flagged, but it does not skew comparisons.
- 52 trips are visits, not transactionsPayments at the same shop within 10 minutes are one visit.
- A subscription = 3 payments at a steady rhythmEvery 28-32 days, the amount within 15 %. We never guess by name.
- An unknown shop stays unknownThe raw name stays until you name it. We invent nothing.
- A projection = arithmetic on your assumptionsThe amount, the rate and the years are yours. A calculator, not a forecast.
- We recommend nothingNo "you should", no product, no scoring.
The whole algorithm with examples: /how-we-count · version v0, 9 Oct 2026
Phone first. Add Kasandro to your home screen.
Kasandro is designed for the phone first: every screen starts at 390 pixels wide, and the desktop gets more air afterwards. On every code change our browser tests check the pages on a phone-sized screen, light and dark, and a failure stops the build.
When Kasandro opens, you will be able to add it to your home screen from Chrome on Android or from Safari on iPhone, no app store needed. The icon opens it without the browser bar, like an app.
Kasandro is not open yet: this is how it is built and how it will work.
Five things you can check.
Read-only
Through Enable Banking, a licensed AISP. You log in at your bank, not with us. We never see your password and we do not initiate transfers.
Data in the EU
Neon database and Netlify hosting in Frankfurt. Transactions encrypted, no raw payloads after normalisation, never in logs.
AI processed in the EU
Our processors, with their countries and retention, on one dated page. We check it every month.
You can delete everything
One tap, backups included, within the declared period. You can also revoke consent at your bank.
Your partner sees what you share
A private account counts in the total, but nobody except you sees its transactions.
Before you connect a bank
- Do I enter my bank password here?
- No. You log in on your bank’s own page or in its app. Kasandro never sees your login, password or card number.
- Who fetches the data?
- Enable Banking Oy, a registered account information service provider regulated by the Finnish FIN-FSA. It handles the login and the consent at your bank; Kasandro receives the account data you allow. Its own privacy policy applies to that step.
- Which data?
- Read-only, only the accounts you select: transactions (date, amount, counterparty, title, and place and time when the bank provides them), the balance and the account name. Kasandro cannot move a single cent.
- For how long?
- Until the consent your bank grants ends: PSD2 banks grant 90 or 180 days, and we go by the date the bank returns. A week before it ends we ask whether to renew in one tap.
- How do I revoke it?
- In Kasandro: disconnect the bank in one tap, or “Delete everything”. At your bank: withdraw the consent in its app or online banking (names differ between banks). After revoking, Kasandro stops reading.
The bank connection is not open yet. This is the promise the consent screen is built to. Details and status: Security · About Enable Banking
+ over 2,500 banks in the EU · full Enable Banking list · bank list for Poland
Is your bank missing? Write to support@kasandro.com with the bank's name and country.
Bank logos belong to their owners; list from Enable Banking, as of 10 October 2026. Language is not the market: you choose the market when you connect a bank.
- 9:41consent in the bank's app
- 9:4224 months of history read
- 9:43the first river on screen
- 9:44the first hint: Żabka, 52 visits
We only write from support@kasandro.com. Nobody from Kasandro will ask for your bank login, the code from our e-mail or your card number. You only enter the code on kasandro.com.
Enable Banking in the EBA register · Subprocessors with countries and retention · Privacy policy · Security: vendors, tests, reporting
One price. Per account.
4.99 zł a month for every connected account. No cap, everything included. A year for the price of 10 months. AI conversation is prepaid: 5 zł free to start, then questions and minutes at the prices on the meter.
One payment per household: 4.99 zł for every connected account, yours and your partner's, on one bill. Your partner connects their own banks with their own consent and never pays separately. One joint account with two salaries is one account: 4.99 zł.
- the whole river: mouths, shops, leaks, the map, habits
- a household of up to 4 people
- wealth, IKE, IKZE, PPK, imports
- a letter from 2056 every month
- prepaid AI: 5 gr a question, 1.19 zł a minute
- MCP for your own Claude or ChatGPT
Kasandro, Martia, Kontomierz, JedenPortfel, your bank's app.
Seven criteria, every cell with a source and a date. As of 9 October 2026.
| Criterion | Kasandro | Martia | Kontomierz | JedenPortfel | Your bank's app |
|---|---|---|---|---|---|
| Automatic sync of all your banks | Kasandroyes, PSD2 through Enable Banking, you pick the accounts at consent | Martiayes, Enable Banking | Kontomierzyes, 18 Polish banks, 4 times a day on PRO | JedenPortfelno, by hand or CSV (by design) | Your bank's apponly that bank's accounts |
| Couples: two consents and transfers matched between partners | Kasandroyes, each with their own consent, own transfers matched on both sides, a business account kept private but counted | Martiaup to 4 people on the owner's account, no matching between partners | Kontomierzno | JedenPortfelno | Your bank's appno |
| Map and habits over the years | Kasandroyes, a real map, an hour grid, the year-on-year difference | Martiano, month on month | Kontomierzno | JedenPortfelno | Your bank's appdepends on the bank, no map |
| Wealth with imports | Kasandroyes, XTB, bonds, PPK, IKE, IKZE, crypto, property | Martiavalues typed in by hand, with IKE/IKZE/PPK limits | Kontomierzno | JedenPortfelby hand, the widest set of Polish retirement schemes (IKE, IKZE, OIPE, PPK) | Your bank's appno |
| Voice with a persona | Kasandroyes, "You now" and "You 30 years from now", ElevenLabs voice, prepaid | Martiatext chat with dictation, one persona | Kontomierzno AI | JedenPortfelno AI | Your bank's appdepends on the bank |
| Where is AI processed | KasandroEU: Anthropic (EU endpoint) and ElevenLabs (EU region), listed on the Subprocessors page, as of 9 October 2026 | MartiaChat: Z.ai GLM (per Martia's subprocessor list, 24 Sep 2026; location per Martia: China and Singapore); some conversations: Anthropic (US). martia.pl/podmioty-przetwarzajace | Kontomierzno AI | JedenPortfelno AI | Your bank's appdepends on the bank |
| Price | Kasandro4.99 zł per connected account / month, a year = 10 months, prepaid AI (5 zł to start) | Martia39.99 zł / month or 256.99 zł / year, first month 4.99 zł (martia.pl/api/pricing, 9 October 2026) | KontomierzPRO 24.99 zł / month (kontomierz.pl, 9 October 2026) | JedenPortfel10 zł / month or 50 zł / 6 months (jedenportfel.pl, 9 October 2026) | Your bank's appincluded with the account |
Sources, as of 9 October 2026: martia.pl/api/pricing · martia.pl/podmioty-przetwarzajace (version of 24 September 2026, checked 9 October 2026; Martia may change vendors, so we check this page every month) · kontomierz.pl · jedenportfel.pl · Kasandro: /subprocessors. The row "Where is AI processed" is highlighted because it is the criterion our users ask about; the cells quote the vendors' own pages.
Answers to the questions you type into a search engine.
- Where does my money go? A map, an hour grid and habits over years
- All your bank accounts in one place: several banks, one picture
- A shared budget without a joint account: two consents, one view
- A PSD2 budgeting app: how it works and what it never sees
- OWASP ZAP explained: what it scans and the 10 usual findings
- Kasandro security checks: what runs on every change, and what it found
- Kasandro on your phone: add it to your home screen (Android, iPhone)
- Kasandro vs YNAB: 2026 comparison (banks, envelopes, price)
- Kasandro vs Martia: 2026 comparison (price, couples, map, EU AI)
- Kasandro vs Finary: 2026 comparison (banks, couples, price)
Twenty-two questions, short answers, no asterisks.
If your question is not here, write to support@kasandro.com.
Do you see my bank password?
No. You log in to your bank's app; Enable Banking (a licensed PSD2 provider) gives us read access to transactions and balances only. We have no login and no way to initiate a transfer.
Will my partner see my business account?
Only if you share it. The account can stay private and still count in the household total.
What about transfers between our accounts?
It is the same water: neither income nor spending, for anyone. You confirm uncertain matches with one tap, and the rule learns.
Is this financial advice?
No. Kasandro shows what happened and what follows from it under your assumptions. It does not say what to buy, sell or borrow.
How much do 3 accounts cost?
14.97 zł a month. A year costs 149.70 zł, the price of 10 months.
What is the AI balance?
A prepaid balance for talking to the assistant: 5 zł free to start, 5 gr per text question, 1.19 zł per voice minute. The meter is always visible; there is never a bill after the fact.
Where is AI processed?
In the European Union. Vendors, regions and retention are listed on the Subprocessors page, with the date of the last change.
How do I delete my data?
Settings, "Delete everything", one tap. Transactions, logs and backups disappear within the declared retention period. You can also revoke your consent at your bank.
Does it work with Revolut?
Yes. Revolut is on the Enable Banking list for Poland (as of 10 October 2026): you pick it when connecting and approve read-only access in the Revolut app.
What if the bank gives no history?
We show as much as the bank returns, usually up to 24 months. A partial month is flagged and kept out of averages.
Can I leave my savings account out?
Yes. You pay only for the accounts you select. We never read the ones you leave out.
How do you count visits?
Payments at the same shop within 10 minutes are one visit. "52 trips" are visits, not transactions.
How does the map know where I was?
From the card payment location the bank provides. Without an exact address, we show the city and say so plainly.
Is the letter generated by AI?
Yes, based on your numbers and bound by rules: habits, never people; one thing to try; never a product to buy.
Can I turn the roast off?
Yes. The "gentler" switch is in the letter and in the settings.
What about IKE, IKZE and PPK?
IKE, IKZE and PPK are Polish retirement savings schemes. You enter them by hand or import them (XTB files, PKO Obligacje, a PPK PDF). Annual limits are calculated separately for each market.
Can I plug in Claude or ChatGPT (MCP)?
Yes. A read-only MCP endpoint is included.
In which languages?
Polish, English, German, French, Spanish. You choose the market (banks, currency, IKE) separately.
Is there a phone app?
The site works on a phone from day one, in light and dark mode. We will announce native apps in "What's new" when they are ready.
Who is behind Kasandro?
Tomasz Żyłka Veinito.com from Wrocław, the company that is also behind ClassKasa and CzynszOK.
We have one joint account and two salaries. How much do we pay?
4.99 zł. The price is per connected account, not per person or salary. Each of you sees it from your own login; a personal account added later is another 4.99 zł.
How do I contact Kasandro?
By e-mail only: support@kasandro.com. It is our only address, for press and partnerships too. Write from the address you use in Kasandro and quote the code on the screen if you see one. Never send statements, screenshots from your bank, your bank login, the code from our e-mail or your card number: we do not need them and nobody from Kasandro will ask for them.