Krateo
Fast. Private. Forgiving.
Krateo is the household money app that never makes you feel bad. Log a purchase in five seconds. Keep what's private, private. Even surprises. And when you slip, Krateo fixes the plan instead of shaming you.
Most budgeting apps get abandoned. We built Krateo backwards from why.
About 70% of people quit budgeting apps within 100 days. Not because they're lazy. It's because logging a purchase takes too long, categories don't fit real life, and one bad week turns into a red "overspent" warning that makes you want to close the app for good. Krateo starts from the moment people give up, and works backwards from there.
Whoever you're managing money with, there's a way in
Individuals, couples, families, sole proprietors, kids: Krateo adapts to how you actually live.
A few things Krateo does differently
The full tour is on the Features page. Here are three to 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.
Why I built this
Krateo started with a simple problem: I couldn't find an app in the market that really understood how my own family handles money, who sees what, what stays private, what gets shared. So I built the one I was looking for. This isn't built to chase profit. My goal is a tool as many people as possible can use, kept as affordable as possible along the way.
— Dente, founder