For individuals
Track your money without wrestling your bank
Fast manual entry, real privacy from day one, and a Tax Smart tag for personal deductions. No linked accounts required unless you want them.
Your data, your pace
Manual-first is a feature, not a limitation
A real number of people don't want to hand a budgeting app their bank credentials, and shouldn't have to, to get value from tracking their money. Krateo works fully by manual entry from day one; bank sync is there if you want it later, never a requirement to start.
Built for how you actually spend
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.
Tax Smart
Tag a purchase as tax-relevant while you log it, not in April. At year-end, export everything deductible in one file.