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

Real privacy

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

Material You design

Colors follow your wallpaper (Android 12+), with light and dark themes.

Voice entry uses the speech recognizer installed on your device. Typing the phrase always works.