One person, no investors, nothing to sell.

There is nobody here who could sell your spending data. Not as a policy. As a fact about the company.

Why it exists

I wanted to keep track of my own money without handing a third party read access to my bank account. Every app that could do the tracking wanted the bank connection first, and the bank connection is the part I did not want. So CroSum does the arithmetic and leaves the account alone.

That single decision explains almost every other one. No bank link means no aggregator, which means no server that has to hold your transactions, which means there is nothing on our side worth breaking into. You type the numbers in; the app works out the rest.

Your numbers are yours to take

CroSum does its work on your phone. You can export everything to CSV whenever you want — free plan included, permanently — and keep an automatic backup in your own Google Drive or your own iCloud, in an account I cannot reach.

Cancel and the app keeps working. The free tier is the whole core loop, not a countdown, and the export never moves behind the paywall. Charging someone to get their own numbers out is how lock-in starts.

Why it costs money

€3.99 a month is the only money in CroSum. No investors, no ad partners, no one to sell the data to — so the subscription never has to become a step towards something else.

It pays for the work: the twelve-month planner and its what-ifs, the monthly reports, the sync, ten languages kept in step, and each new Android and iOS release that quietly breaks something. It also pays for the person who answers support@crosum.app. That work comes round again every month, which is why it is a subscription rather than a one-off purchase.

Still being worked on

The most useful proof that software is maintained is a dated list of releases, which is harder to fake than any statement about commitment. The changelog is that list.