COcartera

COcartera (Cartera J) is the all-in-one app to manage your money: what you lend, what you owe, what you spend, and what you save. It features an AI assistant in Spanish, widgets for your home screen, and automatic cloud backup.


Cocartera (Cartera J) is the all-in-one app for managing your money: what you lend, what you owe, what you spend, and what you save.

It also includes an AI assistant in Spanish, widgets for your home screen, and automatic cloud backup. ━━━━━━━━━━━━━━━━━━━━━
FOR LENDERS
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• Register your clients with photos and contact information

• Create loans with monthly interest rates, terms, and automatic installments

• Track each payment: principal, interest, and remaining balance

• Generate amortization schedules and share them as PDFs with your clients

• Payment reminders one day before and on the due date

• Payment calendar to see your daily schedule

• Profitability reports by client and by month

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PERSONAL FINANCE
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• Track expenses by category (food, transportation, household expenses, subscriptions, etc.)

• Create monthly budgets and receive alerts at 80% and 100%

• Keep track of your debts (rent, credit cards, loans)

• Income: salary, freelance work, interest earned, gifts

• Pie chart by category and subcategory

• Monthly balance: income vs. expenses in real time

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AI ASSISTANT
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Talk to the app in natural language:

• "I spent 15,000 on the bus" → automatically records the expense

• "I paid 80,000 of my bank installment" → makes a payment towards the debt

• "How am I doing this month?" → Gives you the complete summary

• "Create a Nequi wallet" → Adds it instantly

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WIDGETS AND NOTIFICATIONS
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• Home screen widget in 3 sizes

• Monthly summary and quick access without opening the app

• Daily reminder to record expenses

• Notifications when you're approaching a budget limit

• Overdue payment alerts when you open the app

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SECURITY AND CLOUD
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• Sign in with Google or Apple

• Lock with Face ID / optional fingerprint

• Automatic backup to Firebase (encrypted, accessible only to you)

• Reset or sync with any iPhone/Android in one tap

• Screenshot with stylized summary for sharing

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PLANS
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• Free: 30-day trial with no restrictions

Personal: Personal finances only (expenses, debts, budgets)

Portfolio: Loans to clients only

Full: Everything combined + premium features

COcartera does not process actual payments or connect with banks. It's a manual record: you log what happens with your money, and the app helps you keep track of it. Made with love in Colombia 🇨🇴.