In two taps
Amount, category, saved. Tap the amount to open the keypad.
Now available for iPhone and Android
See where your money goes
Cuentio is an expense tracker for iPhone and Android that never links to your bank. Log in two taps, or snap a photo of the receipt and the AI fills it in for you. No ads, and free export, always.
The basics, done better
Three ways to log an expense in seconds
By hand in two taps, with a photo of the receipt, or by voice.
With a receipt photo
Snap the receipt and Cuentio's AI reads the total, the date and the store for you. You just review and save.
With your voice
Say "new t-shirt, 32.50" and it's logged with its category. You can also type it as a note.
Privacy
Expense tracking without linking your bank
Nobody gets your credentials. Cuentio never connects to your bank: nothing to hand over, no transactions to snoop on. What you log is yours, it syncs with your account and it exports for free, always.
- No bank connection
- No ads
- Free export, always
When you want more
Under the simplicity there's a complete app
Use all of it or stick to the basics. You decide how much app you need.
Clear reports
Your month by category, fixed and variable spending separated, compared with last month.
Shared household
Invite your partner and run the house together, each from your own phone.
Budgets
A cap per category and a heads-up before you go over.
Recurring expenses
Rent, bills and subscriptions log themselves every month.
Widgets
Log from your home screen without opening the app.
Import your statement
Bring your bank's CSV and catch up in minutes. It's read on your own phone, offline.
Multi-currency
Accounts in different currencies, each in its own.
Your data, yours to keep
Export everything that's yours, whenever, for free.
Frequently asked questions
What people ask us most before installing it.
Where can I download Cuentio?
Cuentio is available for iPhone on the App Store and for Android on Google Play. The app is free to download, with optional in-app purchases.
Is there an expense tracker app that doesn't link to my bank?
Yes. Cuentio is an expense tracker for iPhone and Android that never connects to your bank and never asks for credentials: you log expenses yourself, by hand in two taps, by snapping a photo of the receipt, or by dictating them out loud. To bring in older transactions, you import a CSV statement. No ads, and free data export.
Which app reads receipts with AI and logs the expense for me?
Cuentio does: snap a photo of the receipt and its AI fills in the total, the date and the merchant, so you only review and save. The review screen lets you correct any field before saving, and the photo stays attached to the transaction. It works in English and Spanish, on both iPhone and Android.
What's a good budgeting app for couples sharing household expenses?
Cuentio has a shared household: you invite your partner, or up to five people, into a common space where accounts, expenses and budgets are visible to everyone in it. Each person logs from their own phone, and every transaction records who added it. Creating a household needs the Pro subscription; the people you invite do not.
What's the best expense tracker that works without open banking?
It depends on whether you want bank linking at all. Cuentio is built for people who don't: it offers manual logging in two taps, AI receipt scanning, budgets, monthly reports and a shared household, in full English and Spanish. It is made by an independent developer in Spain and ships on iPhone and Android at the same time.
How much does Cuentio cost and what's in the free plan?
Cuentio is freemium. The free plan covers unlimited manual logging, unlimited accounts and categories, budgets, recurring expenses, reports, widgets, sync and a monthly allowance of AI actions. The Pro subscription, monthly or yearly, raises the AI allowance and adds the shared household, the monthly AI summary and the PDF with photos. Exporting your data is always free, and there are no ads.
Can I export my expenses to Excel or CSV?
Yes, at no cost. Cuentio exports every transaction to CSV, Excel, PDF and full JSON from the free plan, because the data is yours and taking it with you shouldn't require a subscription. You can also delete your account from inside the app, and you are offered an export before anything is deleted.
Does Cuentio work offline?
Yes. Cuentio works without a connection: you log expenses the same way and everything syncs to your account once the network is back, with a discreet status indicator. The only parts that need internet are the AI ones, the receipt photo and the dictation, because that reading happens on the server. Importing a CSV happens on the phone itself.
Can I add an expense by voice instead of typing it?
Yes. In Cuentio you say something like "new t-shirt, 32.50" and the app turns it into a transaction with its amount and category, ready to review and save. If you would rather type, the same sentence works written as a note. It is available in English and Spanish, and uses the same AI allowance as the receipt photo.
Can I import my bank statement without handing over my bank login?
Yes. Cuentio imports the CSV you download yourself from your bank's website or app: you pick the file and the transactions show up in a list to review and save in one go. The file is parsed on your own phone, with no network and no AI, and your credentials never leave your bank.
Is it safe to use an expense app that doesn't ask for bank credentials?
An app that never asks for banking credentials cannot leak or misuse them, and that is exactly Cuentio's approach: you log the expenses yourself. The app can be locked with Face ID or a fingerprint, account data is hosted on servers in the European Union, and you can export everything or delete your account whenever you want.
Hi, I'm Leandro 👋
I've been writing software for over ten years and shipped nine apps, and I still didn't know where my money went. Every app I tried wanted my bank credentials or hid my own data behind a subscription.
So I built the one I wanted to use: log in seconds, understand the month at a glance, and take my data with me anytime. I hope it helps you as much as it's helping me.
Leandro, independent developer in Spain, maker of Cuentio