日記 · personal finance, quietly
Money, kept like a journal.
a month is a page. each day, a line.
Tomiko syncs your European bank accounts, then notices the shape of your spending — budgets that breathe, gentle notices when a charge looks unusual, and a coach grounded in Japanese money philosophy. Private by design, EU-hosted.
Get it on Google Play See how it works
What Tomiko keeps
Vaults
Every account, synced automatically from your banks.
via Salt Edge
Flows
Budgets that breathe — weekly, monthly, or open-ended.
per category
Coach
Six money philosophies, each a concrete look at your habits.
Kakeibo · Ikigai
Receipts
Keep a photo against any entry, held privately.
encrypted
Notices
A quiet flag when a charge sits outside your usual line.
no nagging
Bank credentials stay out
Your bank login never touches our servers — it's handled by our licensed open-banking provider.
EU-hosted
Data lives in the EU, encrypted at rest and in transit.
Your rows, only yours
Row-level isolation in the database means one account can never see another's.
No black boxes
Every notice cites the entries behind it. You can always check the reasoning.
Your banks, connected.
Tomiko works with PSD2-compliant European banks, syncing your accounts and transactions automatically — so the journal fills itself.