Creso: Money & Budget Planner

Will your money last the month? Creso answers on the first screen: what you have, what's still due and how fast you're spending — so you know what's left before you spend it. No bank to connect, no account to create, no ads. Answer two questions and you're already logging your first coffee. FREE — AND NOT A TRIAL • Log expenses, income and transfers in two taps • Budgets that show what's LEFT, not what you've spent • End-of-month forecast: what you have, plus what's due, minus how fast you spend • Fixed costs, found automatically: everything that charges you every month, totalled by the year, with price rises flagged. £10.99 a month is invisible; £131.88 a year is a decision • Net worth across every account, debts included • Debts both ways: what you owe and what people owe you. Split a bill any number of ways in one tap • Savings, mortgage and loan calculators, with 40 years of real market returns to test your assumptions • Import a CSV, or paste your bank statement straight from a PDF or an email • Receipt photos, and three themes including true AMOLED black • A full backup you can export and keep — always free. If you ever leave, you leave with everything CRESO PRO • Investment tracking, with your real annual return • Accounts in other currencies, with daily exchange rates • A one-page monthly PDF report for your accountant • Your whole year told in plain sentences, and a forecast to December • Shared goals that several people fill from their own phones • Automatic backups, Face ID lock, export to Excel and CSV • Custom icons and colours • Unlimited budgets, goals, scheduled payments, accounts and categories Monthly or yearly. Cancel anytime in your Apple Account settings. PRIVACY, PLAINLY No account and no servers: your ledger is a file on your phone, and the app sends nothing about you. It makes two optional connections: it downloads the European Central Bank's public exchange-rate table if you hold another currency and — only if you add your own market-data key — it fetches quotes straight from that provider. Both can be turned off. No ads. Not in the free plan, not ever. Made in Providence by economists, investors and mathematicians. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://providencehq.es/en/creso/privacy/