Three truths instead of twenty metrics.
What remains, what is still to come and what you can safely spend today — reduced to one calm view.
KaiOro Smart Finance
Your finances.
Clearly organised.
For iPhone
For Android
Cinematic outside. Precise inside.
Your money.
Not more complicated.
Clearer.
KaiOro combines the fastest way to record a transaction with a calm view of what matters today — local, honest and under your control.
01 Three taps
02 Your data on your phone
03 No bank login
04 You confirm
Recorded in seconds
One money moment.
Three clear steps.
Tap a category, enter the amount, save. Everything else remains available — but never gets in the way.
- 1CategoryYour category in one tap.
- 2AmountCalculator and currency included.
- 3DoneBudget impact is visible immediately.
Under 5 secondsreal app capture
Numbers become clarity
KaiOro does more than measure.
It moves you forward.
A verdict without blame.
KaiOro starts with your numbers, explains the connections and stays neutral. No alarmism, no financial theatre.
The next good decision becomes visible.
Not more information, but the one action that can make the biggest difference right now.
Your cash flow becomes understandable.
Income, expenses and free room become a story you can actually read.
Built for real financial life
A finance app that does not stop at the border.
Multiple currencies, crypto and financing are part of real life in Latin America. With KaiOro Plus you record every transaction in the currency it happens in — and KaiOro never invents an exchange rate: if there isn't one, it tells you.
Record locally while travelling.
Stay clear at home.
Local transaction
42.50
EUR
→
Your base
Automatic
USD · rate saved
KaiOro converts into your base currency while preserving the original amount and the rate used. Language and base currency remain independent. Budgets, accounts and reports therefore remain comparable.
Record foreign currency
Keep the original value
Language and base currency stay independent
TravelMulti-currency transactions · Plus
CryptoVisible in your net worth · Plus
FinancingUp to 5 in Free, unlimited in Plus
The KaiOro protocol
Trust is not a badge.
It is verifiable behaviour.
Every intelligent feature follows the same boundary: KaiOro suggests. You see, review and decide.
- Bank access
- Not required 01
- Primary storage
- Your device 02
- Cloud
- Optional 03
- Voice, photo and import
- Suggestion before saving 04
- Backup
- Encrypted 05
- Data export
- Any time 06
- Ads
- None 07
Free · Plus
Start complete.
Grow only when it genuinely helps.
A genuinely useful Free with clear limits. No fear-driven upgrade.
KaiOroFree
Clearly organised.
The complete manual tracker for everyday life.
- Quick entry, reports and dashboard
- Up to 3 accounts, 3 budgets, 3 goals and 5 financings
- Unlimited categories
- CSV import, backup and export
- 10 voice or receipt-photo entries (one-time)
KaiOro PlusFor everyday life
No limits.
More depth.
Everything in Free, without quantity limits, with deeper reports and all your currencies.
- No quantity limits
- Deep reports, account analysis and parallel exchange rate
- Record in foreign currency
- Conversion to your base currency with the saved rate
- Sync across devices and a package for your accountant
- Crypto portfolio and unlimited voice/receipt photos
KaiOro is coming soon
More clarity.
Less financial admin.
iPhone and Android · Your data on your phone · No bank access