See where your money goes, without connecting your bank

Who it is for

• You moved country

  You are paid in one currency and spend in another, and no app tells you what you have in total. Here each account keeps its own currency and the total converts at the day's rate.

• Two of you keep the accounts

  Each signs in with their own email from their own phone and both see the same budget. One person pays; the second needs no subscription.

• You work for yourself

  Every month arrives differently. The app separates what is already promised, keeps tax money apart, and says how long what is left will last.

• You handle cash

  A real share of your spending never touches a card, so no sync can see it. Here recording takes three seconds and it shows up.

The problem is not earning too little, it is not knowing where it goes

Almost everybody remembers the rent and forgets the thirty small payments around it. That is why people underestimate their monthly spending by twenty to thirty per cent: memory keeps the large things and deletes the rest. It is not a discipline problem, it is an information problem.

There is one way to fix it — record at the moment of spending, not from receipts in the evening. Everything in Caudal is built around that: if entering an expense takes more than ten seconds you will not do it in a supermarket queue, and an expense tracker you do not record expenses in is useless entirely.

How it works

1. 1

   Answer five questions

   Currency, what you have today, what you usually spend. That is enough to set the app up, and the home screen opens on your numbers rather than zeros.

2. 2

   Record what you spend, the same day

   Tap the category, type the amount, done — three seconds. Also by voice, or by splitting the bill when you pay for several people.

3. 3

   It starts paying off in about three weeks

   On real data the forecast works, the warnings about a month running high work, and the question of where it goes has an answer.

It installs from the browser as an app on your phone, with no app store involved.

What it does

• Recording an expense takes three seconds

  Tap the category, type the amount, done. Also by voice — “two hundred pesos, food” — and with a keypad that does arithmetic when a bill needs splitting.

• Several currencies, each kept in its own

  Pesos, dollars, euros or crypto in one budget. Every transaction is stored in the currency it happened in and separately converted at the day's rate, so an exchange-rate move does not rewrite what you spent last month.

• A shared budget for two

  The other person signs in with their own email from their own phone and sees the same accounts and transactions. You can also mark whose each account is and see how much each person earned and spent.

• Savings goals with a date

  A holiday, a car, an emergency fund. The app works out how much to set aside each month to get there, and keeps that money apart from what you can spend.

• Debts and credit cards

  Who you owe, who owes you, statement and payment dates, and reminders before anything is late. Splitting a bill with friends takes two taps.

• How many days your money lasts

  From your real spending the app says how long what you have will last, warns you when a month is running above your usual, and shows which category it is going into.

What it costs

Recording expenses and income, creating categories, seeing the whole current month, voice entry, splitting bills and exporting your data are free forever, with no cap on transactions. The free plan includes 2 accounts and 3 months of history in reports. Plus lifts those limits and adds shared access, assets and the yearly report.

Common questions

Is it really free?

Yes. Recording your expenses, income and categories has no limit and no expiry, and exporting your data costs nothing either. Charging to enter your own spending would break the habit, and without the habit the app is worthless.

Does it work without internet?

Caudal installs from the browser as an app on your phone, with no app store involved. It opens instantly and the home screen stays available; saving a transaction needs a connection.

Do I have to connect my bank?

No, and we do not ask. Your banking credentials never reach us. A large share of spending is also in cash, which no bank connection sees: recording by hand covers all of your money rather than part of it.

Can I keep two currencies at once?

Yes, and it is one of the reasons this exists. Each account has its own currency, each transaction is stored in its own, and the total is shown converted into whichever currency you choose as your main one.

What happens to my data?

It is yours: export everything to a file whenever you want, and delete your account with all its contents from inside the app without writing to anybody. We do not sell data to third parties.

Does it work for a family budget?

Yes. You can add the people in the household and mark whose each account is, to see how much each person earned and spent, and with Plus the other person signs in with their own email from their own phone. One of you pays; the second needs no subscription.