KaiOro: Budget Expense Tracker

KaiOro (Kai Oro) is the expense tracker and budget planner that respects your time and your data: log expenses and income in seconds, plan a monthly budget and reach your savings goals. No ads, no bank account linking, and your data stays on your phone. ★ LOG EXPENSES IN SECONDS Category, amount, done: three steps and the expense is saved. Prefer not to type? Say it out loud or snap a photo of the receipt: KaiOro suggests the entry and you check it before saving. ★ MONTHLY BUDGET AND SAVINGS GOALS Set a budget per category and see right away what is left this month. Create savings goals linked to your accounts and follow your real progress. ★ ACCOUNTS, CREDIT CARDS AND FINANCING Cash, bank account and credit card in one place. Track installment purchases and loans, recurring payments and transfers between your accounts. Unlimited categories and subcategories, even on the free plan. ★ MULTI-CURRENCY WITHOUT TRICKS Accounts in dollars, euros, reais, pesos or guaraníes. KaiOro never invents an exchange rate: it keeps the original amount and tells you when a rate is missing. With Plus you record payments in a foreign currency, ideal for travel expenses: KaiOro converts them to the account currency at the day's official reference rate. Your totals always show in your base currency. ★ REPORTS YOU CAN READ See where your money goes each month: the categories that weigh most, your monthly spending and how much you managed to save, step by step. ★ YOUR DATA, YOUR CONTROL Everything is stored on your phone and works offline. No forced account, no bank access, no ads. Import your transactions from another app with a CSV file and export whenever you like. Optional encrypted cloud backup: only you hold the key. Unlock with fingerprint or system PIN. ★ LEARN IN MINUTES 18 short, free lessons with real app screens in the KaiOro Academy: getkaioro.com/en/academy ★ FREE OR KAIORO PLUS The free plan includes quick entry, reports, unlimited categories, CSV import, backup and export, with up to 3 accounts, 3 budgets, 3 goals, 3 recurring payments and 5 financing plans, plus 5 voice or receipt-photo entries a month (10 in the first month). KaiOro Plus removes the limits and adds deeper reports, foreign-currency entries, sync across devices, a package for your accountant, a crypto portfolio and unlimited voice and photo entries. Optional monthly or yearly subscription. Languages: English, Spanish, Portuguese, German and French.