We built the app we ourselves needed
Almost every app treats a credit card as just another account. A purchase lowers your balance and instalments show up in full. Your bank doesn't work that way.
Rules first, screen second
Every feature starts from a real rule of a Chilean bank or issuer, never from whatever looks simplest in a mockup. When the model has no way to support a figure honestly, the app says so instead of inventing it.
What we are afterThe backbone that keeps your finances balanced. We carry every figure until it matches your bank. If something does not add up, we tell you instead of hiding it.
Three rules we don't bend
No invented figures
We don't calculate your bank's interest. When a currency is converted, you see it's an estimate at that day's rate and you can correct it. If a figure is missing, we say so instead of filling it in.
In the appRevolving interest is copied from your statement as a finance charge. The app never calculates a rate.
Everything reversible
Undoing a debt payment gives the balance back. Deleting an instalment plan reverses its whole history, and tells you what it will move before it does.
In the appBefore deleting an instalment plan you see how much goes back to each account, and only then confirm.
Chile first, done properly
RUT with its check digit, the UF and the official dollar rate of the day, local banks, credit unions and issuers. One complete country before many halfway ones.
In the appA dollar account shows its equivalent in pesos at the official rate, marked as an estimate and with the date of the rate it used.
Where it stands today
Accounts, cards, movements, statements, instalments, goals, debts, fixed expenses, exchange rates and import from Excel or CSV, in pesos, dollars and UF.
Investment accounts and their tracking (returns, prices) are paused: for now they can't be created.
Attaching receipts to your movements is coming soon. Automatic bank sync doesn't exist yet and may come in the future; meanwhile you import your bank statement or the fik template, which also lets you take your data with you.
Your cash account comes ready
Log your first expense today and add your banks and cards whenever you like.