Catatku: Money Manager, Budget 앱 분석 (10월 22일)

Catatku is an expense tracker and budget planner for personal, household and business money. Log income and spending, track savings goals and see where your money goes. Record transactions offline, without linking your bank. Completely ad-free, with no subscription. You just got paid, but a few weeks later you're wondering where all the money went. You want to save, but it never quite works. You've tried other budget apps, and they only made things more complicated. Why Catatku Is Different 1. Easy for Beginners Bought a coffee? Log it. Grabbed lunch? Log it again. Bit by bit, you get a picture of your own spending habits. Start with small purchases, and tracking your daily spending soon becomes a habit. 2. Separate Books for Personal & Business Run a shop, sell online or have a side hustle? With the Pro plan, give your business its own cash book. Each book has its own records and reports, so business money never mixes with everyday spending. 3. Keep Logging Without Internet On the road or stuck with a weak signal? Logging still works and your data stays viewable. Cloud backup is available with the Premium and Pro plans. 4. Manage Money as a Couple or Family With the Pro plan, you and your partner can use the same Catatku account on your own phones, on up to 5 devices. Log your own spending, and your data syncs in real time when you're online. 5. Choose What Works for You Start free. When you need more, choose Premium for one year of access or Pro Lifetime for Pro features forever. Both are one-time purchases, with no auto-renewal. Catatku Features for Everyday Life - Track Income, Expenses & Transfers: Keep cash, bank accounts and e-wallets as separate accounts. Transfer between them, including any transfer fee. - Log via WhatsApp or Telegram Chat: Send a chat, a receipt photo or a voice note to record a transaction in the app. This add-on is purchased separately and is for users on the Pro plan, monthly or yearly. - Set Budgets: Set a monthly budget for one or more categories, then compare it with what you've spent. Works well with the 50/30/20 rule too. - See Financial Reports: Daily, weekly, monthly and yearly income and expense summaries, plus charts by category, so you can see where your money goes. - Track Savings Goals: Create goals for an emergency fund, a vacation or anything else, then follow your progress. - Debts & Money Owed to You: Keep track of money you've borrowed, money others owe you, and repayments along the way. - Recurring Bills & Installments: Track recurring bills, subscription costs and installment plans with an end date. Set bill reminders to stay on top of due dates. - Export Reports & Keep Receipts: Export your records to PDF or Excel. The Premium and Pro plans unlock unlimited exports, plus receipt photo and PDF file attachments. - Comfortable Every Day: Home screen widget, tablet layout, beautiful color themes and dark mode. App lock with PIN or biometrics is available with the Premium and Pro plans. - Plan Around Payday: Payday doesn't always fall on the first. Choose when your financial month starts so your reports follow your pay cycle. - Choose Your Currency: Record your money in the currency you use. With the Pro plan, each book can have its own currency, handy for keeping everyday spending and travel records separate. Start with one entry today. Once you know where your money goes, planning next month's budget gets much easier.