Your money, summed up.
CroSum is a budgeting app that never touches your bank. You enter what you earn and spend; it works out the rest — budgets, loans, savings, twelve months ahead. Everything stays on your phone.
Your money lives in more than one place. Your bank's app only shows its own.
Coming to iPhone
Pick your currency and language. No bank connection to authorise — you're set up in under a minute.
Log income, expenses, loans and savings goals as they happen.
Yes — you type it in. About thirty seconds a day, and there's a home-screen widget, so most days it's two taps.
Budgets, twelve-month projections, loan payoff dates and recommendations built from your own numbers.
Most apps show you a balance. CroSum shows what's left after the bills that haven't landed yet, the budgets you've set, and the cash you actually hold. If your plan doesn't fit your income, it says so instead of quietly letting you overspend.
Set a budget per category and watch it track through the month. Paid on the 25th rather than the 1st? CroSum can run your financial month from payday to payday, so a budget never resets in the middle of your pay cycle.
Annuity or linear, with a full amortisation schedule — interest versus principal, month by month, and the real payoff date. Add an extra payment and see exactly how many months it removes. This is the part most budgeting apps don't do at all.
One loan is free. Premium removes the limit. Or try the same maths without installing anything: the free loan payoff calculator.
Set a target and a date; CroSum works out the monthly amount and tells you whether it fits alongside your budgets and loan payments. Withdrawals are handled properly, so a raided holiday fund doesn't silently break the projection.
Same engine as the free savings goal calculator.
The planner is a what-if machine. Take on a loan, raise the rent, change jobs, cancel a subscription — see the effect on twelve months of cash flow before it happens rather than after.
Planner is a Premium feature.
Income and expenses with categories, notes, recurring entries and full search. Export the lot to CSV whenever you like — it's your data, in a plain format, on your device. Export and restore are free, and always will be: paywalling someone's own data is hostile.
Your finances never leave the phone unless you back them up yourself. See exactly what does and doesn't leave.
A clean PDF summary you can save, print or send on. Free users get a monthly pace insight; the full report is Premium.
Today's number without opening the app. Free.
Bills, budgets and savings, nudged on time. Free.
Suggestions built from your numbers, not from averages. Premium.
Manual export and restore are free. Automatic sync is Premium — to your own Google Drive on Android, or your own iCloud on iPhone. Either way it's your account, never ours.
Start free, with no card. Premium unlocks the planning tools when you need them.
About that trial, plainly. The 14-day trial runs through Google Play or the App Store, so it uses the payment method already on your account. Cancel any time in Play → Subscriptions, or Settings → your Apple Account → Subscriptions; cancel before day 14 and you're never charged. Trials are limited to one per store account.
Why is CroSum paid at all? €3.99 is what CroSum costs to run and keep improving. That's the entire business model. There's no version of this where your spending data becomes the product, because there's nobody to sell it to.
Not "we keep it secure". Not "we anonymise it". We don't collect it — there's no server for it to sit on.
Every transaction, budget, loan and goal. Stored on the device.
Optional backup to your Google Drive or iCloud. Your account, your file.
A subscription receipt, and nothing else. No finance data, ever.
You don't have to take our word for it. Exodus Privacy — an independent non-profit that decompiles Android apps and checks them for known tracker signatures — scanned CroSum 1.4.9 and found 0 trackers and 11 permissions. Read their report, or see every permission explained one by one. It's a scan rather than a full audit, and it describes the version scanned — we spell out those limits on that page too, because a privacy claim you can't check is worth nothing.
Because the alternative is giving a third party read access to your bank account. Bank aggregation means your transaction history flows through someone else's servers, and that's the exact thing CroSum exists to avoid. Manual entry takes about thirty seconds a day, and it has a side effect people report liking: you notice what you're spending, because you had to write it down. If you'd rather have the bank connection, we've written honest comparisons with YNAB, Dyme and Spendle.
Not if you back up. Manual backup, restore and CSV export are free for everyone — your data in a plain file you control. Premium adds automatic sync — to your own Google Drive on Android, or your own iCloud on iPhone — so you don't have to remember. If you never back up at all then yes, the data lives only on that device; that's the trade-off of not having our server hold a copy.
Don't take our word for it. The Play listing shows every permission. The app works fully in airplane mode, which tells you what it needs the network for. And the privacy proof page lists all 11 permissions with the reason each one is there. We'd rather hand you the means to check than ask you to trust a paragraph.
No. The billing backend sees a subscription receipt — whether a purchase is valid and when it renews. It never sees a transaction, a budget, a balance or a goal. There's no endpoint that would accept them.
Free covers everyday tracking: unlimited transactions, categories and budgets, Safe to Spend, the widget, reminders, manual backup and export, plus one loan and one savings goal. Premium adds unlimited loans and goals, the twelve-month planner, the recommendations engine, full monthly PDF reports, and automatic sync to your own Google Drive on Android or iCloud on iPhone. Both plans come with a 14-day free trial.
No. CroSum is a tracking and budgeting tool, not a regulated financial adviser. The recommendations are general suggestions derived from the numbers you entered — not personalised financial advice. For decisions that matter, talk to someone qualified.
Fair question, and the answer is built into the design. CroSum is one person's business, not a venture-funded startup with a runway. Your data sits in a plain, exportable format on your own device and in your own Drive, and the app works offline with no server to switch off. If CroSum vanished tomorrow, the copy on your phone would keep working and your CSV export would still open in any spreadsheet. For how actively it's actually being worked on, the changelog is the honest record.
Android is live on Google Play. An iPhone version is on the way. Both share the same on-device architecture.
Free to start. No card, no ads — ever.
Coming to iPhone