Krateo
Your money, without the guilt.
See what's safe to spend today. Keep private purchases private. Adjust the plan when life changes.
Most budgeting apps get abandoned. We built Krateo backwards from why.
Most budgeting apps fail for the same three reasons: logging a purchase takes too long, categories never fit real life, and one rough week turns into a red "overspent" warning that makes you want to delete the app. Not because people are lazy. Krateo starts from the moment people give up, and works backwards from there.
You don't have to hand over a bank password to use Krateo
Type in what you spend, from day one, no bank connection required. That's not a limitation, it's the point: plenty of people would rather not link an account just to track their own money. Connect a bank later if you ever want to, faster logging, automatic imports, but you'll never have to. See how it works.
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. Krateo is built around people first, not squeezing every dollar out of them. That doesn't mean it isn't a real business: it has to be one, so it can stick around and keep getting better. The goal is simple: make managing money more useful, more private, and more affordable for real households.
— Dente, founder