Features
Everything Krateo does for your household
Not a longer list of settings. Specific answers to the things every other budgeting app gets wrong.
Included with Krateo Core, free
No tiers to compare, no features locked behind a paywall you find out about later.
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. Your tagged purchases stay together all year, so your records are ready whenever you or your tax professional need them.
Family & kid roles
Owner, member, kid: each role sees what makes sense for them.
Subscription Watch
Krateo looks through your spending for recurring charges you never actually set up: the free trial that became a subscription, the app you forgot you had.
Bill Watch
The inverse problem: a bill you're tracking whose charge never landed. Krateo surfaces it while there is still time to act.
Ask Krateo
Ask Krateo questions about your spending in plain language, and get answers that come with one suggested action, not just another chart.
And that's still not everything
A few more ways Krateo has your back.
Tip Check
Snap the receipt and Krateo checks the tip against the bill. If the math looks off, it is there on the receipt for you to catch.
Duplicate & suspicious charges
Two similar charges close together get flagged for a second look, before you pay for the same thing twice without realizing it.
Trip budgets
Give a trip its own budget, track spending against it by city or activity, and keep it all inside the same ledger you already use every day.
Real-time bank monitoring
Connect a bank and watch new charges post as they happen, not three weeks later on a statement. Live today in the US and Canada, more markets on the way.
Card Advisor
A plain-language read on which card to reach for next, based on your actual rewards and payoff strategy, not a generic points chart.
What-if scenarios
Stack up a few hypothetical changes, a raise, a big purchase, extra debt payments, and see the real impact before you commit to anything.
See it for yourself
Coming soon to the App Store and Google Play