Carpe Money: Spending Tracker

Carpe Money is private budgeting that warns you before you overspend — not after. See what you have actually spent, what is still committed, and what is genuinely left — and get an alert while there is still time to do something about it.

YOUR BANK DATA STAYS YOURS

Bank balances and transactions are never stored on our servers. They are fetched live and the math happens on your device. Anything you type in — a CSV, cash, property, a loan from a friend — stays yours: encrypted, never sold, never shared.

WHAT IT DOES

- Connect your banks and see every account in one place
- Know what is left to spend after the bills that have not landed yet
- Set spending limits by category and get an alert while you can still act
- Track recurring charges so nothing renews unnoticed
- Follow net worth, savings rate, and where the money actually goes
- Add cash, property, or anything a bank does not know about
- Share one budget with a partner, each with your own sign-in
- Export everything to CSV or Excel whenever you like

NO ADS. NO DATA SELLING. NO DARK PATTERNS.

Every member gets the complete app. There is no free tier holding features hostage, no premium version, and nothing that arrives later if you pay more. Carpe Money is paid for by the members who use it, which is exactly why it can be built for them.

PAY WHAT IS FAIR

New accounts get 30 days free, no card required. After that it is $7.99 a month, or a year at $39.99, $59.99, $79.99, or $119.99 — whichever is right for you. Every one of them is the same complete app: a floor should not price anyone out, and members who can pay more keep Carpe Money independent, private, and ad-free.

A year at $79.99 or above also covers a full free year for another member who cannot pay. They get the identical complete app, with no marker on their account and no way for anyone to tell. Because excellent tools for managing money should be for everyone.

SIGNING IN

Two-factor sign-in with an authenticator app, an emailed link, or Face ID/passkey. You can delete your account and everything in it from inside the app, at any time.

TERMS AND PRIVACY

Terms of Use: https://www.carpemoney.app/terms
Privacy Policy: https://www.carpemoney.app/privacy

Recent changes:
The very first release for Carpe Money on Android!