CroSum: Budget Expense Tracker

CroSum is a calm, private personal-finance tracker. Log what comes in and what goes out, set budgets that actually hold, model your loans properly, and watch your savings goals come into reach — all in one clean app.

No bank logins. No ads. No tracking. Your financial data stays on your device.

Start right away — no account needed. Sign in only if you want to subscribe or back up to your own Google Drive.

— TRACK EVERY TRANSACTION —
Log income and expenses in seconds. Categorise, search, and review where your money goes, without wrestling a spreadsheet.

— BUDGETS THAT ADAPT —
Set per-category monthly limits and watch them roll forward each month. Stay on track at a glance — no chart-reading required.

— LOANS, MODELLED PROPERLY —
Track personal, mortgage, and student loans — annuity, linear, or interest-only — with full amortization schedules, effective-dated revisions, extra payments, and balloon payments. See real interest and real payoff dates.

— SAVINGS GOALS —
Pick a target, set a monthly contribution, and see exactly when you'll hit it — and how every euro fits into the rest of your month.

— SMART RECOMMENDATIONS —
Get clear, specific suggestions based on your own numbers: which loan to overpay first, where spending crept up, which budgets have room to spare. General guidance, never spam.

— MONTHLY REPORTS —
A bank-statement-style summary of every month, with insights, that you can download as a PDF.

— PRIVATE BY DESIGN —
Your transactions, budgets, loans, and goals are stored on your device, not on our servers. There are no analytics, no tracking pixels, and no advertising partners. Your account is used only to sign you in and manage your subscription — never to harvest your data.

— LANGUAGES —
Available in 9 languages: English, Dutch (Nederlands), German, Spanish, French, Italian, Polish, Portuguese, and Latvian.

CroSum is free to track your money. A premium subscription unlocks unlimited loans and savings goals, the Planner (what-if scenarios), the recommendations engine, monthly PDF reports, and backup & restore — including Cloud Sync to your own Google Drive. Monthly, quarterly, and yearly plans available.

CroSum is a tracking and budgeting tool, not a regulated financial advisor — the recommendations are general suggestions based on your own data, not personalised financial advice.