Cuentas de Casa con IA

Household Accounts manages your household finances almost effortlessly: connect your bank, AI sorts each transaction, receipts are automatically reconciled, and you can see your monthly balance before it even ends.

YOUR BANK, RECONCILED AUTOMATICALLY
• Connect your bank in read-only mode (PSD2): transactions are automatically received twice a day.

• Prefer not to connect? Import your statement in CSV or Excel format, or your credit card statement in PDF.

Receipts you already expect (mortgage, electricity, payroll) are reconciled as expected: nothing is recorded twice.

Transfers between your accounts are recognized as transfers and are not counted as expenses.

AI SORTS IT FOR YOU
• Each transaction is assigned to its category: your rules determine this ("if it contains NETFLIX → Subscriptions"), and for new transactions, AI suggests the category and rule.

• An assistant you can ask in plain language: "Where did our money go in September?", "What budget would you suggest for groceries?".

• It responds using only your data: if something isn't listed, it tells you. It doesn't make up figures.

YOU KNOW HOW THE MONTH WILL END
• A forecast of your balance for the next 12 months based on your bills, paychecks, and typical spending.

• Mobile alerts if any month is going to end in the red.

• Budgets by category that alert you when you reach 80% and when you go over budget.

• Statistics and reports by month, year, or any date range you choose.

BILLS ARE AUTOMATICALLY RECORDED
• Mortgage, loans, electricity, water, internet, school fees, paycheck: they are automatically recorded each month on the correct date.

• If your electricity bill changes each month, it will notify you so you can enter the new amount.

• If a bill is higher than expected or a duplicate charge appears, you'll be notified.

MORTGAGE, DEBTS, AND SAVINGS
• How much you have left, when you pay it off, and how much interest you'll pay.

• Simulate paying down the balance, making a larger payment, or changing your mortgage type before making a decision.

• Savings goals and emergency fund.

FOR THE WHOLE HOUSEHOLD
• Invite the person who manages the finances with you via email: everyone sees the same information and records their own transactions.

• Each household is isolated: no one outside can see your accounts.

AND MORE
• Photo of the receipt or invoice attached to the transaction.

• Tags that cross categories ("the child," "vacation") and a summary of expenses for tax purposes.

• Light and dark themes.

• Also accessible from your computer at panel.cuentasdecasa.app, using the same login information.

SECURITY
• The connection to the bank is read-only, through a regulated payment institution: it can read transactions, but never transfer money.

• There is no advertising, and we do not sell data.

• You can delete your account and all your home data at any time, directly from the app.

Creating an account is free, and no card is required.

Cuentas de Casa is not a bank and does not offer financial or tax advice.