Why Kakaw
Made in Guatemala 🇬🇹
All your finances, one place
Track expenses, set budgets, and build financial wellness.
Totally private:No bank loginsNo emailNo phoneNo name
9:41
KAKAW
spent
$3,640
of $5,800
63% spent$2,160 available
🏦
Chase Bank
$22,400
11 transactions
🏦
Wells Fargo
$24,180
5 transactions
💵
Cash on Hand
$1,240
2 transactions
BudgetSee all
63%
July 2026
$2,160 left
63% spent
Home
Transactions
Budget
Settings
Low-cost
$4.99/mo, or $3.99/mo billed annually. The core app is free forever.
Manual-entry, not bank-linked
No bank logins or passwords, ever. You enter and control every transaction.
Works everywhere
Installs on iPhone, Android, and desktop as an app, and works fully offline.
Multi-currency
Track accounts in quetzales, dollars, and 40+ other currencies.
Works with the banks you already use
Chase
Bank of America
Wells Fargo
Citibank
US Bank
Everything in one place
Spreadsheets are cold. Kakaw is warm.
Every feature built for real life — across all your accounts, online and off.
Track every expense
Log transactions in seconds. All your accounts in one place.
Set a smart budget
Plan your monthly spending in one place and stay on track.
Scan receipts instantly
Point your camera at any receipt and Kakaw reads it for you.
Track your net worth
See your full financial picture across all accounts and currencies.
Works offline
No internet? No problem. Kakaw keeps working and syncs when you reconnect.
Private by design
No bank links, no OAuth, no third-party data sharing. Your data stays yours.
9:41
KAKAW
spent
$3,640
of $5,800
63% spent$2,160 available
🏦
Chase Bank
$22,400
11 transactions
🏦
Wells Fargo
$24,180
5 transactions
💵
Cash on Hand
$1,240
2 transactions
BudgetSee all
63%
July 2026
$2,160 left
63% spent
Home
Transactions
Budget
Settings
Your everyday
One glance and you know exactly where you stand.
Home brings together your net worth, the month's income and spending, and how much you have left to spend — all in one place.
- Live net worth with trend
- Month's income and spending at a glance
- Available to spend, clear and honest
Every transaction
Log it today, understand it tomorrow.
Record expenses in seconds and let Kakaw organize them by category, account, and envelope. Filter, search, and reconcile with ease.
- Automatic, editable categories
- Filter by account, envelope, or month
9:41
TransactionsJuly 2026
🛒
Trader Joe's
GroceriesChase Bank
⛽
Shell Gas
TransportChase Bank
💊
CVS Pharmacy
HealthCash on Hand
☕
Blue Bottle
DiningWells Fargo
💰
Direct Deposit
IncomeChase Bank
Home
Transactions
Budget
Settings
9:41
Net Worth▲ $+1,240 / mo
Total assets
$47,820
Assets
Chase Bank
Checking
$22,400
Wells Fargo
Savings
$24,180
Cash on Hand
Cash on Hand
$1,240
Liabilities
Visa Card
Credit Card
Monthly trend
J$41,900
F$43,100
M$44,600
A$45,800
M$46,700
J$47,300
J$47,820
Home
Transactions
Budget
Settings
The full picture
Watch your net worth grow, month by month.
Record assets and liabilities in any currency and watch your net worth evolve over time. No bank connections — just you and your numbers.
- Assets and liabilities in multiple currencies
- Monthly history with trend
- Automatic exchange-rate conversion
Zero-based budgeting
Give every quetzal a job, every month.
Assign your income to categories, track what's left in each, and roll over what you don't spend. No more guessing where the month went.
- Ready-to-assign pool, always visible
- Grouped categories with assigned vs. available
- Roll over unspent budget automatically
9:41
July 2026
Ready to Assign$310
From last month
AssignedAvailable
Home
Rent / Mortgage
$1,450$0
Water & Electricity
$180$42
Food
Supermarket
$520$95
Restaurants
$260$40
Home
Transactions
Budget
Settings
Pricing
Free to start. Premium when you need it.
No card for the free plan. Cancel anytime.
Free
Everything essential to take control.
Free foreverforever
- Unlimited manual accounts
- Transaction log
- Basic budgets
- Expense categories
- Works offline
Most popular
Premium
7-day free trial · cancel anytime
$4.99per month
- Everything in Free
- Receipt scanning
- Net worth tracking
- Recurring expense detection
- Push bill reminders
- All financial lessons