Cryo

Cryo is a simple yet complete personal finance app. It tracks income, expenses, credit cards, debts, investments and savings goals, and shows everything in one clear overview. Log money the way you talk Type or say a phrase like "almoço 32,50 no débito" (lunch 32.50 on debit) or "tv 1200 em 10x no cartão" (TV 1200 in 10 installments on the card). Cryo understands the amount, category, account, date and even installments. You just check and save. It also learns from your corrections. Features

• Overview: account balances, net worth, and what came in and went out this month
• End-of-month forecast: how much should be left at the current pace, and a daily spending allowance
• Spending heatmap calendar: each day is colored by how much you spent
• Money flow chart: where your money came from and where it went
• Credit cards: statements, available limit and installment purchases
• Debts: loans, financing, agreements and money you owe to someone, with installments, overdue alerts, what is left and when you will be debt-free
• Recurring bills and income, with due-date reminders
• Budgets per category, with alerts at 80% and when exceeded
• Savings goals that tell you how much to save per month, with an archive for finished ones
• Investments: contributions, withdrawals and returns
• Transfers between accounts

• Your data stays on your phone. The app has no internet permission
• No account, no ads, no tracking
• Lock with fingerprint, face or your device PIN
• Option to hide amounts on screen
• Automatic backup to a folder on your phone or to your cloud (Google Drive, Nextcloud and others): the cloud app does the uploading
• File backup and spreadsheet (CSV) export

Automatic backup: Cryo saves your data by itself to a folder on your phone, to your cloud (Google Drive, OneDrive, Nextcloud...) or both. Choose how often (daily, weekly or monthly) and, for the folder, whether to always replace the same file or keep several copies. The app still has no internet access. If the place you pick already has a backup, you can restore it right there.