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. Your tagged purchases stay together all year, so your records are ready whenever you or your tax professional need them.
Built to be trusted with a family's money
Privacy in Krateo is not a settings page you have to find. It is the default, and the security model behind it is published for anyone to read.
Private by default
Balances stay masked until you choose to reveal them. Any purchase can be private, or hidden as a gift until the date you pick. Revealing is your explicit act, every time.
Encrypted where it counts
Your data travels encrypted in transit. On your phone, the app encrypts your stored session and its on-device money caches at rest. On the server, database security rules restrict household data to its members.
Bank credentials stay out of the app
Connecting a bank is optional in the first place. If you do connect one, the access tokens are held server-side and are never shipped inside the app.
Kids never see the family ledger
Restricted kid accounts are enforced on the server, not just hidden in the interface. A kid sees their own allowance and their own choices, never the household's full picture.
No ads, and nothing sold
No advertising identifiers, no ad networks, no behavioral advertising trackers. We do not sell your personal information.
Honesty you can check
We publish a security disclosure policy that says plainly what is done and what is not done yet. Read the security policy and the privacy policy.
What that looks like in the app
A kid's world shows a kid's money. A gift stays a surprise until its date. The same rules hold on every screen.
A kid's own view
A gift, revealed
No comparison charts here
Other apps spend whole pages comparing themselves to each other. We would rather spend that page making Krateo better for your family. We are not trying to beat anyone's feature list. We are trying to make your family's money feel calm, and if Krateo is right for you, you will feel it in the first week.
Why We Built Krateo
Krateo began with a simple observation: the financial tools available weren't designed around how families actually manage money, what they share, what they keep private, and how they make decisions together.
That realization led us to look deeper. We listened to families, studied their needs, and learned what they truly wanted from a financial platform. After countless nights of research, planning, and hard work, Krateo came to life.
We created Krateo to help families build healthier relationships with money through greater clarity, privacy, and collaboration. And because lifelong financial habits often begin at home, we made sure children were part of the journey; giving parents the tools to introduce financial responsibility from an early age.
Krateo is more than a way to manage money. It is a platform designed to help families learn, plan, and grow together.
— Dente, Founder
Fast. Private. Forgiving.
Coming soon to the App Store and Google Play