Saldo

Saldo is a personal finance tracker built for clarity over complexity. Every income and expense goes in as a transaction — your running balance is computed automatically. No spreadsheets, no end-of-month arithmetic.

Quick entry
Amount first, category in one tap. The date defaults to today. A transaction takes under 5 seconds.

KASA — monthly overview
Income, expenses, net result, and running balance for any month at a glance. Scroll back through history without any manual work.

Reports & charts
Filter by date range, category, or type. View trends month over month and see exactly where your money goes.

Loan tracker
Track interest-free loans to family and friends separately from your main balance. These entries stay off your ledger — they show you what is owed without distorting your financial picture.

Offline-first
Add transactions without an internet connection. Changes queue locally and sync automatically the moment you come back online.

Push notifications
Set a daily reminder to log your spending. Receive an alert before and on the due date of any loan you are tracking.

Biometric lock
Protect the app with Face ID or fingerprint. Your financial data stays private even if someone else picks up your phone.

Multi-currency
Choose RSD, EUR, or BAM as your base currency. RSD exchange rates are fetched daily from the National Bank of Serbia. BAM is fixed at 1 EUR = 1.95583 BAM.

Dark and light theme
Follows your system preference, or lock to your favourite.

Export and import
Export your transactions to Excel or CSV at any time. Import previous months from existing spreadsheets.

Privacy
Saldo does not show ads, does not sell your data, and does not train AI models with your information. Your financial data is stored securely and belongs to you.

Recent changes:
Two ways to read your income.

• Tap the income card on KASA to switch between "Total income" (with last month's carry-over) and "This month's income"
• In the month-only view, income minus expense equals net
• Your choice is remembered and follows you to the web app
• The carried-over amount stays visible on the balance card
• Pickers now close with a swipe down, not just a tap outside