If you own property, rent out or invest,
stop doing the math by hand.
CKM Finance brings together your accounts, real estate, short-term rentals and investment portfolio. Accurate tax calculations, even across multiple countries, and alerts on every deadline. All in one app.
Coverage
EU+
Treaties
DTAs
Open Banking
254+ Banks
Available in all European Union countries, United Kingdom, UAE and USA
| 
Demo · B&B Hosts
One notification. Your whole B&B managed.
Receive the booking, the app handles everything else. Synced calendars, cleaning, guest registration, tourist tax, e-invoice.
23:41
martedì 12 maggio
New booking
€840 · Trani May 12-15 · Booking.com
Demo · Cross-Border
Live in one country. Invest in another.
The first financial app that gets cross-border tax right. Double-taxation treaties applied automatically.
Live in Zurich, work in Switzerland
CH tax residence · cantonal ICTax
Own 3 properties in Italy
Trani · Milan · Rome · IMU + cedolare
CKM handles it all
CH-IT treaty applied · zero double taxation
€2,100
saved with automatic application of the double-taxation treaty
For real estate investors
Pro tools for every deal
Everything you need to evaluate a real estate deal. Indicators, simulators, mortgage, full tax on every income type.
Purchase simulator
ROI · IRR · Cap rate · Cash-on-cash
IMU calculator
Every Italian municipality · 7,344 with official MEF rates
Cedolare vs IRPEF
Auto-comparison per rental contract
24-month forecast
After-tax cash flow projected month by month
Mortgage amortization
Fixed/variable rate · real interest · full schedule
Complete tax
Real estate + finance + employment + auto · multi-country
€18,400/yr
average estimated tax optimization for an investor on the PRO plan
Integrated Ecosystem
A complete ecosystem for your finances
Every feature is interconnected. AI links everything automatically.
Multi-Country Tax Engine
Multi-country tax engine based on each country's current legislation. Automatic updates. Cross-border and double taxation treaties.
Wealth Management
Properties, vehicles, bank accounts, investments and mortgages in a single view. Performance indicators for every asset.
Property & B&B Manager
Residential and commercial leases of any duration. Full B&B manager: unified calendar Airbnb + Booking + VRBO + direct bookings, with automatic date-blocking on other portals via the unit iCal feed. Seasonal pricing with per-day overrides, housekeeping, flat tax, ordinary IRPEF and contract deadlines.
AI Smart Engine
11 pattern detectors. Auto-categorisation of transactions, proactive suggestions, document analysis, backend-verified calculations.
Forecasts & Simulations
Cash-flow forecasting up to 24 months. Property investment simulator with mortgage, instalments and yield.
Open Banking
Connect to 254+ European banks via finAPI. Automatic transaction and balance syncing.
Comparison
The only platform that does all of this
Compare CKM Finance with the alternatives.
| Feature | CKM Finance | Smartbnb | TaxFix | Revolut | Personal Capital |
|---|---|---|---|---|---|
| B&B Manager | |||||
| Multi-country taxes | DE only | US only | |||
| Cross-Border DTA | |||||
| Open Banking | |||||
| Real estate portfolio | Partial | ||||
| AI auto-categorisation | Basic | ||||
| 24-month forecasts | Basic |
Use Cases
Built for complex financial lives
Marco, 42
Manager in Switzerland · Properties in Italy
Manager in Switzerland with 3 flats in Milan, a holiday home in Sardinia and a commercial unit.
"CKM calculates the taxes I owe in Switzerland on income and in Italy on rentals, applying the Italy-Switzerland DTA. One calendar with every deadline."
Sophie, 35
French expat · Lives in Dubai
French expat in Dubai. Dividends and investments in France.
"I finally have clarity on what I need to declare in France while living in Dubai. The app handles cross-border automatically."
Lorenzo, 28
B&B Host · 4 units in Florence
B&B host with 4 units in Florence. Used to juggle 3 different apps.
"The B&B manager integrated with taxes is a game-changer. Airbnb & Booking sync, housekeeping managed, flat tax calculated. I used to need 3 apps."
* Illustrative scenarios. Names and situations are representative examples.
Calculate your taxes in 30 seconds
Pick your country, enter your income. Our tax engine does the rest.
Calcola le tue tasse in 10 secondi
Seleziona il tuo paese e inserisci il reddito lordo annuo
Pricing
Simple, transparent pricing
Free
Everything you need to start managing your finances.
- 1 property (primary residence)
- 1 vehicle
- 2 accounts (1 bank + 1 cash)
- 1 investment, 1 mortgage
- 2 recurring transactions
- Taxes & notifications on everything
- 3-month forecast
- 3 AI messages / day
- 1 PDF/month, 3 scans/month
- 1 draft 730/year, 1 simulation
Pro Monthly
Cancel anytime
Complete control over finances, taxes and wealth.
- Everything unlimited
- Unlimited properties, vehicles, accounts, investments
- Full B&B manager (Airbnb, Booking, VRBO)
- Unlimited mortgages, recurring, simulations
- 10 AI messages / day
- 24-month forecast
- Unlimited PDFs & scans
- Unlimited 730 drafts
- Cross-border tax calc for 10 countries
- Notifications on everything
- Automatic tax updates
- Priority support
Cancel anytime
Pro Yearly
Just €6.66/month · Save 2 months
Same benefits as Pro Monthly. Pay yearly, save 2 months.
- Everything unlimited
- Unlimited properties, vehicles, accounts, investments
- Full B&B manager (Airbnb, Booking, VRBO)
- Unlimited mortgages, recurring, simulations
- 10 AI messages / day
- 24-month forecast
- Unlimited PDFs & scans
- Unlimited 730 drafts
- Cross-border tax calc for 10 countries
- Notifications on everything
- Automatic tax updates
- Priority support
Best value — 33% less
Pay on the web with card. Zero App Store fees. AI credits €0.99 for 10 credits, available for FREE and PRO. Never expire.
Ready to take control of your finances?
Download CKM Finance for free. Available on iOS, Android and Web.
iOS 15+ · Android 8+ · Web · Your data stays on your device