Quincena: tu plata

Quincena tells you how much money is free until your next payday, and helps you decide before you spend it. YOUR ACCOUNTS, IN ANY CURRENCY Banks, wallets, cards, cash, dollars and crypto, each in its own currency, with the total converted at official and market rates. ASK YOUR MONEY "Where did my money go this month?", "How much is free until payday?" Every answer arrives as an interface: charts, lists and plans you can touch, with figures worked out on your phone. PAYMENTS RECORD THEMSELVES If you allow it, Quincena reads your banks' and wallets' notifications, only those with an amount, never security codes. What is unclear waits in "To review". STATEMENTS Import your bank or card statement as CSV, Excel or PDF. It is read on your phone, and you review every movement before it is saved. DECIDE BEFORE YOU SPEND "Can I afford it?" shows the lowest your money would get until payday if you buy today or wait; you see the next 30 days with the tight ones marked, and the close of each fortnight in three cards. Every figure shows where it comes from. They're estimates from what's scheduled, never a guarantee. PLAN YOUR FORTNIGHT Split what you're paid into envelopes for the day to day, your goals and whatever you want to set aside, without moving money. See when you'll reach each goal, how many days your cushion covers, and what would happen if you saved more, a charge went up or your pay came late. Keep what you want for later and see what buying it would do to your goals. YOUR COMMITMENTS, IN SIGHT Your subscriptions and fixed payments with their next renewal, the end of each free trial, price changes and a reminder before they charge; see what pausing one would save, and the app never cancels anything for you. Track instalment purchases with their schedule, what's left and what they cost against paying at once, keeping what you know apart from what's estimated. A charge detective shows repeated payments, price increases and unusual charges, with the evidence, and deletes nothing. FOR REAL LIFE Split a bill with anyone, no app needed on their side: your part is your spending, and the rest is money you're owed, which doesn't count as available. If your income changes from month to month, keep collected, billed and estimated apart, choose what counts ahead and keep a reserve. On a trip, keep a budget in the local currency with your own movements, each day's rate and the bank's real charge. CRYPTO, LIKE A PRO Your portfolio with live prices, what each coin cost you in pesos and dollars, your gain or loss, and the chart from 24 hours to a year. Connect Binance with a read-only key, or follow your wallets by their public address. PRIVATE BY DESIGN Your accounts and movements are kept only on your phone. No ads, no selling of data. Export everything whenever you want. If you use Quincena on more than one device, changes travel in an encrypted file only your devices can open. Quincena does not give financial or investment advice.