Reach payday with money left.

Kpital is a personal finance app for iPhone, in English and Spanish. It helps you track your spending, keep a monthly budget, see your net worth as a single number and save for your goals. Every day it tells you how much you can spend without going over.

Three things: it gives you a spending figure for today instead of just charts, it doesn’t need your bank connected, and it keeps spending, accounts and net worth in the same app.

No. You log expenses yourself in two taps, so we never ask for bank credentials or access to your account.

Yes. Add up accounts, cash, investments and property, subtract debts, and see all your money as one number, with how it changes over time.

The Free plan is permanent. Eligible users can try Kpital Pro free for 3 days; in Spain it is then €3.99 a month or €19.99 a year. If you do not continue, you return to Free without losing data.

Euro, US dollar and the main Latin American currencies, including the Mexican, Argentine, Chilean and Colombian peso and the Brazilian real.

Your data is encrypted in transit and at rest, you can lock the app with Face ID, there are no ads and we never sell your data.

In the app: More → Manage or cancel subscription.

Not yet. For now, iPhone only.