Quatro

Quatro splits your spending into four honest quadrants: Q1 Committed — No choice here. Rent, insurance, the non-negotiables. Q2 Needs — You need it, but how much varies. Groceries, petrol, utilities. Q3 Recurring — You keep choosing this, month after month. Subscriptions, gym, habits. Q4 One-off — Completely avoidable. You chose it anyway. Coffees, impulse buys, nights out. The number that matters is always visible: your Cuttable total — everything in Q3 and Q4 combined. That's the spending that's actually in your hands. No bank sync. No automatic imports. You enter what you spend, you see where it goes, you decide what to cut. Weekly or monthly view. Navigate back through past periods. See the last 3 periods at a glance on the home screen. Quatro+ unlocks Insights (yearly chart, monthly breakdown, top categories), Widgets to keep your Cuttable number on your home screen, Transactions to browse and search your full history, and Export to share it as CSV. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/