CroSum: Budget Expense Tracker

Your money lives in more than one place — and your bank's app only shows
its own accounts. CroSum sums it all up: spending, budgets, loans and
savings goals in one calm, private overview.

No bank login. No ads. No tracking. Your data stays on your device —
backups go to your own Google Drive, never our servers. And you can
export everything, anytime: your data stays yours.

Start right away — no account needed, and manual backups are free for
everyone. Sign in only to subscribe: Premium adds automatic Cloud Sync
to your own Google Drive.

— SAFE TO SPEND —
See what you can still spend this week — one clear number, paced from
your budgets, on your dashboard and as a home-screen widget.

— YOUR WEEK, AT A GLANCE —
A friendly weekly review: what you spent versus your usual week, your
top category, a logging streak that forgives a missed day — and a
genuine win every time you open the app.

— TRACK EVERY TRANSACTION —
Log income and expenses in seconds. Categorise, search, and review where
your money goes, without wrestling a spreadsheet.

— BUDGETS THAT ADAPT —
Set per-category monthly limits and watch them roll forward each month.
Stay on track at a glance — no chart-reading required.

— LOANS, MODELLED PROPERLY —
Track personal, mortgage, and student loans — annuity, linear, or
interest-only — with full amortization schedules, effective-dated
revisions, extra payments, and balloon payments. See real interest and
real payoff dates.

— SAVINGS GOALS —
Pick a target, set a monthly contribution, and see exactly when you'll
hit it — and how every euro fits into the rest of your month.

— SMART RECOMMENDATIONS —
Get clear, specific suggestions based on your own numbers: which loan to
overpay first, where spending crept up, which budgets have room to
spare. General guidance, never spam.

— MONTHLY REPORTS —
A bank-statement-style summary of every month, with insights, that you
can download as a PDF.

— PRIVATE BY DESIGN —
Your transactions, budgets, loans, and goals are stored on your device,
not on our servers. There are no analytics, no tracking pixels, and no
advertising partners. Your account is used only to sign you in and manage
your subscription — never to harvest your data.

— LANGUAGES —
Available in multiple languages — the app follows your phone's language
automatically, or you can choose one in Settings.

CroSum is free to track your money — including manual backup & restore.
A premium subscription unlocks unlimited loans and savings goals, the
Planner (what-if scenarios), the recommendations engine, monthly PDF
reports, and automatic Cloud Sync to your own Google Drive. Monthly
(€3.99) and yearly (€35.99) plans. Start with a 14-day free trial on
either plan — cancel anytime in Google Play.

CroSum is a tracking and budgeting tool, not a regulated financial
advisor — the recommendations are general suggestions based on your own
data, not personalised financial advice.

Recent changes:
• Income and Expenses are now ONE Transactions page, with a filter for money in or out — and Loans moved into the bottom bar
• New: what's left each month once your recurring items are paid
• Recurring items move to their next date as it approaches
• Add a transaction from the home screen; hold to delete one
• Grouped by day, and amounts are easier to read in daylight
• Safe to spend paces a rolling week

Thanks for using CroSum!