Dioko is a personal finance tracker that lives entirely on your device. There are no subscriptions, no cloud accounts, and no servers — your financial data stays with you.
The core idea is simple: add every regular expense and income stream once, and Dioko scales everything to monthly, quarterly, and yearly totals automatically — so you always know your true financial position.
When you open Dioko for the first time you will see the Sign In screen.
Dioko has five tabs at the bottom of the screen:
Home: Dashboard with totals, bar chart, and transaction list
Stats: Deeper financial breakdown by category and period
Add (+): Add a new expense or income transaction
Search: Find any transaction by name or category
Profile: Your account details, settings, backup, and sign-out
If biometrics is enabled, Face ID or Touch ID will trigger automatically when the Sign In screen loads — you may not need to type your password at all.
Biometric login lets you open Dioko without typing your password.
To enable biometric login:
To disable biometric login:
Note: If your device does not support Face ID or Touch ID, the biometrics toggle will not activate and a message will appear explaining that biometrics are unavailable on your device.
Important: Password reset requires biometric verification. If biometrics are unavailable on your device, please contact support.
Signing out does not delete your data. All transactions, categories, and profile information remain on the device.
Deleting your account permanently removes all data stored by Dioko on your device, including your credentials, transactions, categories, profile information, and notifications. This action cannot be undone. Export your data first if you want to keep a copy.
Transactions are the heart of Dioko. A transaction is any regular expense or income — a subscription, a utility bill, a salary, rental income, and so on.
Name: A descriptive label (e.g. "Netflix", "Rent", "Salary")
Amount: The transaction amount. Tap the field and type digits — the dollar sign and decimal point are formatted automatically
Category: Select a category from the picker. Tap the field to open the picker
Frequency: How often this transaction occurs — Weekly, Fortnightly, Monthly, Quarterly, or Yearly
Include in metrics: Toggle on to include this transaction in your financial totals and charts. Toggle off to track it without affecting your statistics
Expenses are outgoing money — bills, subscriptions, rent, food, and so on. Dioko stores these as negative amounts internally, so they reduce your financial position.
Income is incoming money — salary, freelance payments, rental income, dividends, and so on. These are stored as positive amounts and increase your financial position.
You don't need to enter a monthly amount — enter the amount at whatever frequency it actually occurs. Dioko converts everything to a consistent weekly rate and then scales it up to your chosen reporting period.
The Include in Metrics toggle controls whether a transaction is counted in the totals shown on the Home and Stats screens.
You might turn this off for a one-off or irregular item you want to record for reference but don't want distorting your regular financial picture. Transactions excluded from metrics are still visible in your transaction list and are marked with a red "(not included in metrics)" label in their detail view.
If the category you need doesn't exist yet:
Categories help you group transactions and understand your spending patterns. They appear in charts, the category breakdown on the Home screen, and throughout the Stats screen.
Note: Deleting a category does not delete transactions that are already assigned to it. Those transactions will retain their category label.
Keep category names short and consistent so they display well in charts and labels. Good examples:
The Home screen gives you a real-time snapshot of your financial position.
At the top of the Home screen you'll see three figures:
Monthly Position: Your income minus your expenses for the month — your surplus or deficit
Monthly Expenses: Total of all expense transactions scaled to a monthly amount
Monthly Income: Total of all income transactions scaled to a monthly amount
Below the totals, a percentage figure shows your monthly position as a percentage of your monthly income — a quick measure of how much of your income you're keeping.
Tap anywhere on this panel to refresh and re-animate the figures.
The bar chart shows your top 5 expense categories ranked by monthly total. The height of each bar represents how large that category is relative to your biggest expense category.
Tap the chart to refresh it.
Below the bar chart, a horizontally scrollable strip shows each category and its monthly total. This includes both income and expense categories.
At the bottom of the Home screen is a table showing all transactions in the currently selected type (Expenses or Income). Use the Expenses / Income segmented control to switch between them. Each row shows the transaction name, category, amount, and frequency.
Tap a transaction to open its full detail view. Swipe left on a transaction to delete it.
If you haven't added any transactions yet, the Home screen shows a welcome prompt encouraging you to add your first transaction. This disappears automatically once your first transaction is saved.
Pull down on the Home screen to refresh all figures, charts, and the transaction list.
The Stats screen is a deeper view of your finances. It supports three reporting periods and shows breakdowns, charts, and a full transaction list.
Use the Monthly / Quarterly / Yearly segmented control at the top to switch between periods. All totals, charts, and the transaction list update immediately.
The three summary labels work the same as the Home screen but reflect the selected reporting period — so switching to Yearly shows what you spend and earn over a full year.
This figure shows your financial position (income minus expenses) as a percentage of your income for the selected period. A positive percentage means you are saving money; a negative percentage means expenses exceed income.
The animated doughnut chart shows the breakdown of your Utilities category by individual transaction name. If you have multiple utility transactions (electricity, gas, internet, water), this chart shows each as a segment with a labelled percentage. The chart animates in when the screen loads. Tap it to reload the data. This chart only displays data if you have transactions assigned to a category named exactly "Utilities" (case-insensitive).
Works the same as the Home screen bar chart, but shows up to 7 expense categories and reflects the selected reporting period. Tap the chart to refresh it.
The table at the bottom lists all transactions of the selected type (Expenses or Income), with amounts scaled to the current reporting period. So a $100/month subscription will show as $1,200 when Yearly is selected.
Use the Expenses / Income segmented control to switch the list. Tap a transaction to open its detail view. Swipe left to delete a transaction.
Pull down on the Stats screen to reload all data.
Tap any transaction from the Home, Stats, or Search screens to open its detail view. You'll see:
The detail screen will refresh immediately to show the updated values, and the change is saved to your device.
Note: Frequency cannot currently be changed when editing a transaction. To change the frequency, delete the transaction and re-add it with the correct frequency.
Tap your profile picture on the Update Profile screen to open your photo library. Select a photo and crop it. The image is saved locally on your device.
The Profile screen displays a short piece of financial or general advice that refreshes each time you open the screen. This is fetched from a free public API (adviceslip.com) — it requires an internet connection and no personal data is sent.
See Biometric Login in the Account & Login section.
Tap Sign Out to return to the Sign In screen. Your data is preserved.
Tap Delete Account to permanently erase all data. See Deleting Your Account for full details.
Because Dioko stores all data on your device, we strongly recommend exporting a backup regularly — especially before updating iOS, resetting your device, or switching to a new phone.
.txt backup file.
The export file contains all your transactions and categories in a structured plain-text format.
.txt backup file (in Files, email, etc.).Warning: Importing a file replaces your existing transactions and categories. If you have new data entered since your last export, it will be overwritten. Export a fresh backup first if you need to preserve recent entries.
Dioko has an in-app notifications centre that displays messages from the app — such as a welcome message when you first create your account. These are internal app messages, not iOS push notifications.
Tap the bell icon in the top right corner of any main screen to open the Notifications screen.
Unread notifications are shown in bold. A red badge on the bell icon indicates how many unread notifications you have.
Tap a notification to open its full detail — title, body text, and the date it was received. Opening a notification marks it as read and the badge count decreases.
Swipe left on any notification and tap Delete to remove it permanently.
The red badge on the bell icon disappears automatically once all notifications have been read. It will reappear if a new notification arrives.
Unfortunately, uninstalling Dioko deletes all locally stored data, including transactions, categories, and your account. This is a limitation of on-device storage.
If you exported a backup file before uninstalling, you can restore it using the Import feature. See Importing Your Data.
If you did not export a backup, the data cannot be recovered.
.txt file that was exported from Dioko (not a custom file).
$ symbol and two decimal places.1299) vs the formatted value (e.g. $12.99).
Is Dioko free?
Dioko is available on the App Store. Check the App Store listing for current pricing.
Does Dioko sync across my devices?
Not currently. Dioko is a local-only app. Your data lives on the device where you entered it. Use the Export and Import features to transfer data to a new device.
Can I use Dioko on my iPad?
Dioko is built for iPhone. It may run on iPad in compatibility mode, but the interface is optimised for iPhone screen sizes.
Is my financial data sent to the internet?
No. All your transactions, profile information, and credentials are stored locally on your device. The only network request the app makes is to fetch a random advice quote on the Profile screen, and this contains no personal data. See our Privacy Policy for full details.
How does Dioko calculate my monthly total if I enter a weekly expense?
Dioko normalises everything to a weekly amount first, then multiplies by 4.33 for monthly, 13 for quarterly, and 52 for yearly. This reflects the actual average number of weeks per month (52 ÷ 12 = 4.33) rather than simply multiplying by 4.
What's the difference between "Include in Metrics" on and off?
Transactions with Include in Metrics on are counted in your financial totals, percentage variance, and charts. Transactions with it off are still stored and visible in your lists and detail view, but they don't affect any calculations. Use it to track irregular or exceptional items without skewing your regular financial picture.
Can I add a one-off expense rather than a recurring one?
All transactions in Dioko are treated as recurring at the frequency you select. There is no single-date transaction type in this version. For a one-off item you still want to track, set the frequency to Yearly and turn off Include in Metrics so it doesn't affect your recurring totals.
Can I have multiple accounts?
Dioko currently supports one account per device. The account is used to protect your data with a password and biometric login — there is no multi-user or family mode in this version.
What happens to my data if I update the app?
App updates from the App Store preserve your locally stored data. Your transactions, categories, and profile will remain intact after an update.
Can I move my data to a new iPhone?
Yes, using the Export and Import feature. On your old phone, go to Profile → Export and save the file. On your new phone, create a new account, then go to Profile → Import and select the file. See Backup, Export & Import for step-by-step instructions.
Why does the Stats screen show different amounts from the Home screen?
The Home screen always shows monthly totals. The Stats screen reflects whichever period you have selected — Monthly, Quarterly, or Yearly. If Stats is set to Yearly, the figures will naturally be 12 times larger than the Home screen monthly figures.
I deleted a transaction by accident. Can I undo it?
Unfortunately, transaction deletion cannot be undone. If you have a recent export backup, you can re-import it to restore your data (note this will also overwrite any transactions added since the backup). We recommend exporting regularly to minimise data loss risk.
The percentage figure on the dashboard — what exactly does it measure?
It is your financial position as a percentage of your income. For example, if your monthly income is $5,000 and your monthly expenses are $3,500, your position is +$1,500, which is 30% of income. A positive number means you are living within your means; a negative number means expenses exceed income.
If you have an issue not covered in this documentation, we're here to help.
Email: support@thedigitalbubble.com Website: http://www.thedigitalbubble.com/dioko/
When contacting support, it helps to include: