Pricing
Free where it counts. Simple where it doesn't.
Krateo's core household tracking, Safe-to-Spend, Gift mode, family roles, and more, is free. Bank sync is the one paid add-on, and the price is shown in the app before you ever connect an account.
Everything you need to run your household money
No tiers to compare, no features locked behind a paywall you find out about later. This is what's included, free, from the start.
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. Krateo keeps an eye on it all year, so your records are ready whenever you or your tax professional need them.
Family & kid roles
Owner, member, kid: each role sees exactly what makes sense for them, nothing more.
Subscription Watch
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.
Bill Watch
The inverse problem: a bill you're tracking whose charge never landed. Krateo flags it before it becomes a late fee.
Ask Krateo
Ask Krateo questions about your spending in plain language, and get answers that come with one suggested action, not just another chart.
Bank sync, when you want it
Manual entry is the default, and it's not a limitation, it's the point. If you'd rather connect a bank and let transactions sync automatically, that's available as a single paid add-on. The price is shown in the app before you connect anything: no hidden tiers, no surprise charges.
Your money isn't the product
Krateo doesn't run ads and doesn't sell your data. Pricing is how we stay in business, not your attention.