Features
Six ways Krateo has your back
Not a longer list of settings. Six specific answers to the things every other budgeting app gets wrong.
Safe-to-Spend
Know what's actually free to spend, today. Not net worth, not a chart. Just one number that updates as you log, after bills, goals, and the rest of your pay period.
Gift mode
Some purchases are surprises. Mark one as a gift and it stays hidden from your partner until the date you choose, then it reveals itself, exactly when it's supposed to.
Tax Smart
Tag a purchase as tax-relevant while you log it, not in April. At year-end, export everything deductible in one file.
Subscription Radar
Krateo watches your spending for recurring charges you never actually set up: the free trial that became a subscription, the app you forgot you had.
Missing-charge radar
The inverse problem: a bill you're tracking whose charge never landed. Krateo flags it before it becomes a late fee.
AI insights
Ask Krateo questions about your spending in plain language, and get answers that come with one suggested action, not just another chart.