Klaro is a personal finance app built on two ideas: your financial life should stay yours, and staying on top of it shouldn't feel like work. Everything lives on your device — no account, no ads, no tracking.
Most finance apps are a front end for your data. Klaro isn't.
Your ledger lives in an encrypted database on your phone. We never receive a copy.
No sign-up to start, no ads, and no analytics or tracking SDKs — ever.
Optional backup goes to your own private Google Drive folder — only you can open it.
Less financial busywork — more knowing where you stand.
Switch on capture and Klaro reads your bank's payment alerts on your device, turning them into transactions for you — no bank login, nothing uploaded. Or add one yourself in a couple of taps.
Open Klaro and the first thing you see is how you're doing this month, in plain English — a straight answer, not a wall of charts to decode.
Share a private, end-to-end-encrypted space with your partner or household — and one subscription covers everyone in it.
Budgets, goals, net worth, investments, shared spaces. Everything you'd expect, all quick to log and clear to read.
Add an expense in a couple of taps — or let Klaro turn your bank's payment alerts into transactions automatically, right on your device. No bank login, nothing uploaded.
Set monthly budgets and savings goals, and watch your rings fill as you go.
Accounts, cash, and holdings in one net worth — with live prices, a watchlist, and daily movers.
Track finances jointly with a partner or household — one subscription covers everyone. End-to-end encrypted, so we can't read them.
Category breakdowns, a spending calendar, month-pace charts, and a coach that tells you what changed.
Scan receipts, import CSVs, log in any currency, automate recurring bills, add home-screen widgets, and export anytime.
No tiers, no feature paywalls — the whole app, one subscription.
US$17.99 / year
or US$1.99/month · 14-day free trial, no card to start
Everything included — budgets, goals, net worth, investments, shared spaces and auto-capture. One subscription covers your whole shared space.
No ads. No selling your data. No feature tiers.
How a private, offline money tracker actually works.
Yes — no banking login ever goes into the app. Add an expense in a couple of taps, or switch on capture and Klaro reads your bank's payment alerts on your device and turns them into transactions for you — no bank connection, nothing uploaded. Your credentials stay with your bank, and Klaro never needs read-access to your accounts.
Yes — Klaro is offline-first. Adding transactions, budgets, goals, and every chart all run on your phone, with no internet connection and no server round-trip. It's just as fast on a plane or with no signal.
On your device only, in an encrypted database — there's no account and no cloud copy by default. If you turn on backup, it goes to your own private Google Drive folder, encrypted so only you can open it.
Automatic apps link to your bank and pull your transactions from their servers — convenient, but it means handing over your banking login and your spending data. Klaro does it differently: log an expense yourself in a couple of taps, or let Klaro read your bank's payment alerts on your device and turn them into transactions for you. Either way, no banking login goes into the app, and nothing about your accounts is ever uploaded.
A simple subscription — US$1.99/month or US$17.99/year, with a 14-day free trial. That's the whole model: no ads, no trackers, and nothing about your spending is ever sold or shared. You pay for the app, so your data doesn't have to — which is why it can stay on your device.
Klaro Ledger is in the final stretch before launch. Join the waitlist and we'll email you the moment it's on Google Play.
Free on Google Play, with a 14-day trial. Want release notes by email? Drop yours below.
