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iOS, Android + web

All your money, in one place.

Every wallet and balance at a glance, in EUR, USD, CHF or GBP. Track income, expenses and transfers on your phone and in the browser, always in sync.

Start for free

Free to start. No credit card required.

Kaldo wallets screen with a total balance and wallet list

iOS and Android

Built for the phone in your pocket.

Everything you do with money, one tap away.

Every entry, day by day.

Income, expenses and transfers grouped by day, with search and filters.

Kaldo wallet screen with entries grouped by day and filter chips

See where it goes.

Income vs expenses, trends and category breakdowns for any period.

Kaldo stats screen with income and expense totals, a bar chart and spending by category

Add an entry in seconds.

Type a label and Kaldo suggests the category. Search or create one on the spot.

Kaldo new entry sheet with an amount, a label and an auto-suggested category

Share a wallet, stay in sync.

Invite family or friends as viewers or editors. Changes show up live.

Kaldo settings screen with preferences, categories and wallet sharing

Easy on the eyes, day or night.

A dark mode that follows your device.

Kaldo wallets screen in the other colour theme

Also on the web

The same wallets, on a bigger screen.

Sign in at kaldo.money and pick up where you left off. Real-time sync, nothing to install.

Everything you need, nothing you don't.

Powerful features, simple interface. No bloat, no spreadsheets.

  • Multiple wallets

    Cash, bank accounts, savings and investments, each with its own balance and currency.

  • Shared wallets

    Invite family or friends as viewers or editors. Everyone sees the same numbers, live.

  • Clear stats

    Income vs expenses, trends and category breakdowns for any period.

  • Phone and web

    The iOS and Android apps and the web app share one account, so switching devices loses nothing.

  • Secure by default

    Your financial data is encrypted and stored securely. We never share your information with third parties.

  • Your categories

    Custom categories with colours, suggested automatically as you type a label.

Frequently asked questions

Yes! Kaldo is completely free for personal use. Create wallets, track transactions, and view your stats at no cost.

Invite another Kaldo user to a wallet as a viewer or an editor. Editors can add and change entries, viewers can only look, and everyone sees changes live on their phone and in the browser.

Absolutely. All data is encrypted in transit and at rest. We use industry-standard security practices and never sell or share your data.

Each wallet has its own currency (EUR, USD, CHF or GBP), so a Swiss savings wallet can sit next to a euro everyday wallet.

Kaldo has native apps for iPhone and Android, plus a web app that works in any modern browser. They all use the same account and sync in real time.