Creso: Budget Expense Tracker
Private Money Manager, No Ads
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
See what's left to spend before you spend it. No ads, no sign-up, no bank login — and nothing about you ever leaves your phone.
Will your money last the month? Creso answers on the first screen: what you have, what's still due and how fast you're spending — so you know what's left before you spend it.
No bank to connect, no account to create, no ads. Answer two questions and you're already logging your first coffee.
FREE — AND NOT A TRIAL
• Log expenses, income and transfers in two taps
• Budgets that show what's LEFT, not what you've spent
• End-of-month forecast: what you have, plus what's due, minus how fast you spend
• Fixed costs, found automatically: everything that charges you every month, totalled by the year, with price rises flagged. £10.99 a month is invisible; £131.88 a year is a decision
• Net worth across every account, debts included
• Debts both ways: what you owe and what people owe you. Split a bill any number of ways in one tap
• Savings, mortgage and loan calculators, with 40 years of real market returns to test your assumptions
• Import a CSV, or paste your bank statement straight from a PDF or an email
• Receipt photos, and three themes including true AMOLED black
• A full backup you can export and keep — always free. If you ever leave, you leave with everything
CRESO PRO
• Investment tracking, with your real annual return
• Accounts in other currencies, with daily exchange rates
• A one-page monthly PDF report for your accountant
• Your whole year told in plain sentences, and a forecast to December
• Shared goals that several people fill from their own phones
• Automatic backups, Face ID lock, export to Excel and CSV
• Custom icons and colours
• Unlimited budgets, goals, scheduled payments, accounts and categories
Monthly or yearly. Cancel anytime in your Apple Account settings.
PRIVACY, PLAINLY
No account and no servers: your ledger is a file on your phone, and the app sends nothing about you. It makes two optional connections: it downloads the European Central Bank's public exchange-rate table if you hold another currency and — only if you add your own market-data key — it fetches quotes straight from that provider. Both can be turned off.
No ads. Not in the free plan, not ever.
Made in Providence by economists, investors and mathematicians.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://providencehq.es/en/creso/privacy/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
New in Settings → Help: tell us about a bug or share an idea in two taps — the app fills in the technical details for you. The Providence mark at the top of the dashboard now opens our website. Plus small fixes and polish.
The developer, Guillermo Rivas-Plata Somavilla, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Guillermo Rivas-Plata Somavilla
- Size
- 43.8 MB
- Category
- Finance
- Compatibility
Requires iOS 15.0 or later.
- iPhone
Requires iOS 15.0 or later. - iPad
Requires iPadOS 15.0 or later. - iPod touch
Requires iOS 15.0 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
- iPhone
- Languages
English and 7 more
- English, French, German, Italian, Japanese, Korean, Portuguese, Spanish
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Creso Pro anual $29.99
- Creso Pro mensual $3.99
- Copyright
- © 2026 Guillermo Rivas-Plata Somavilla