Not Pato - Expense tracker
Cristian Ugarte Finance iPhoneiPadiPod touch
Not Pato - Expense tracker is a free Finance app for iPhone and iPad by Cristian Ugarte. Requires iOS 16.4. Updated October 15, 2026.
- Price
- Free
- on the App Store
- Size
- 101 MB
- Age 4+
- Updated
- Oct 15
- 2026 · v2.4
Screenshots
About Not Pato - Expense tracker
Not Pato is the personal finance app built for Chile. Connect it to your bank, track what you spend, and let Pato help you keep your money under control, no spreadsheets and no hassle. Track effortlessly • Connect your bank and your transactions come in on their own, already categorized. • Your Apple Pay purchases are logged automatically and matched to the bank transaction, with no duplicates. • Paid in cash? Just log it with a WhatsApp message. • Or add it by hand in seconds. Recurring expenses and subscriptions • Pato detects your subscriptions on its own by reading your bank activity. • Netflix, Spotify, the gym, insurance and everything charged month after month, together and organized. • It reminds you before each charge so nothing catches you off guard. Understand where your money goes • Automatic categorization, with clean merchant names and their logos. • Create unlimited custom categories and budgets. • Filter your transactions by date or by card. • Monthly balance, reports and statistics for the full picture. Always up to date • Smart notifications and reminders. • Your upcoming charges front and center the moment you open the app. Your data, protected • Lock the app with Face ID or fingerprint. • Your data is encrypted and yours alone. Not Pato is a subscription app: you need a Not Pato Pro or Ultra subscription to use it, available via in-app purchase. Both plans include every feature; the only difference is how many banks you can connect. — Plan differences — • Pro: up to 2 connected banks. • Ultra: unlimited connected banks. — Pricing — Pro • Monthly: $2,990 CLP/month (auto-renewing) • Annual: $24,990 CLP/year (save 30%, equivalent to $2,083/month) Ultra • Monthly: $4,990 CLP/month (auto-renewing) • Annual: $49,990 CLP/year (save 16%, equivalent to $4,166/month) Payment will be charged to your Apple ID account upon confirmation of purchase. Your subscription renews automatically unless you cancel at least 24 hours before the end of the current period. You can manage and cancel your subscription anytime in your Apple ID settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://notpato.app/terminos
What’s new
Version 2.4 · Updated October 15, 2026
Pato now lives inside the app and you can ask it about your money. New · Pato, your finance agent: it remembers what you tell it, knows your goals and tells you where your money goes. New · Wallets: your savings and whatever you've set aside, in their own place on the home screen. New · Home screen widgets: your balance, what's left this month and a button to log an expense. New · Log an expense without opening the app: tell Siri, use the Action button, Back Tap or your own phrase. New · One expense can go into several categories, with the amount split between them. New · With Ultra you can ask your bank to refresh right now, up to twice a day. Improved · A tidier home, and press and hold a transaction, a card or a bill to open its quick actions. Fixed · A refund now lowers what you spent on every screen. Your budgets used to keep counting it. Fixed · Apple Pay sets up again on iOS 27, where Shortcuts moved automations somewhere else.
App privacy
The developer, Cristian Ugarte, reported these privacy practices to Apple.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers: User ID
Data Linked to You
The following data, which may be collected and linked to your identity, may be used for the following purposes:
- Purchases: Purchase History
- Financial Info: Other Financial Info
- Contact Info: Name, Email Address, Phone Number
- Identifiers: User ID
Used for: Product Personalization, App Functionality
Data Not Linked to You
The following data, which may be collected but is not linked to your identity, may be used for the following purposes:
- Identifiers: User ID
- User Content: Photos or Videos, Audio Data
Used for: Third-Party Advertising, App Functionality
Alternatives to Not Pato - Expense tracker
Looking for apps like Not Pato - Expense tracker? Here are 6 similar apps on the App Store. The highest rated is Neat: Pago de cuentas (5.0/5), and all 6 are free to download.
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