How it works
One number, built from everything else.
Krateo isn't a pile of charts. It's a household's money, boiled down to the one question that actually matters: what's safe to spend, right now.
What "safe to spend" actually means
Take what's coming in this pay period. Subtract the bills still due, the money already set aside for goals, and what you've spent so far. What's left is safe to spend, updated the moment you log something new. Not net worth, not a forecast, not a chart to interpret, just the number that answers "can I afford this" without you doing the math yourself.
Safe-to-Spend, on the Home screen
Manual-first, not manual-only
You can run Krateo entirely by typing in what you spend, from the first day, with no bank connection at all. That's not a limitation, it's the starting point: a real number of people don't want to hand over bank credentials just to track their own money. Don't want to type it? Snap a photo of the receipt instead, and Krateo reads the merchant, total, and tax for you. If you'd rather connect a bank later, that's there too, but it's always a choice, never a requirement to get value out of the app.
Type it, or snap a receipt
One household, everyone's own role
A household isn't one ledger for one person. Owners and adults see the shared picture. Kids see their own allowance and their own choices, never the family's full ledger. And any purchase, from anyone, can be marked private, shared only on the terms you choose, gifts included. Krateo adapts to the roles in a real household instead of assuming everyone should see everything.
A kid's own view
A gift, revealed
When the plan changes, Krateo changes with it
A missed bill, a bigger-than-usual grocery run, a forgotten subscription: none of it resets the plan to zero. Safe-to-Spend just recalculates around real life, quietly, without a red warning or a guilt trip. The goal was never a perfect month. It's knowing where you stand today.
Try a change, see what happens
See your number
Coming soon to the App Store and Google Play