Dinero Claro helps you understand where your money goes, build a budget you can actually stick to, and make better financial decisions — in Spanish or English.
Free plan · No credit card · No bank connection
No complicated formulas. You log what comes in and what goes out, and the app shows you what's really happening with your money each month.
See exactly where every dollar goes: rent, food, money you send home, subscriptions.
More on understand your moneySet a budget based on what you actually spend, not made-up numbers.
More on build a realistic budgetPick a goal — emergency fund, a car, school — and watch your progress.
More on save on purposeOrganize your debts and get a clear plan to pay them off sooner, with less interest.
More on pay down debtThe AI money coach reviews your numbers and tells you what to adjust this month.
More on get help from aiSwitch languages anytime. The whole app and the coach work in both.
You don't need to connect a bank account to use Dinero Claro.
Powerful budgeting, expense tracking and AI-driven savings — in one clean personal finance app.
Log and categorize every expense and income automatically. See where your money goes with intuitive charts and reports. Our expense tracker app helps you identify spending leaks and consumption patterns you can optimize to save more money every month.
Organize your family budget with the 4 Pillars method: Fixed costs (50-60%), investments (10%), savings goals (5-10%) and guilt-free spending (20-35%). More effective than the 50/30/20 rule for real-world budgeting.
Set savings goals with deadlines — emergency fund, vacation, house down payment. Contribute gradually, track visual progress and celebrate every milestone reached.
Artificial intelligence that analyzes your personal finances, identifies savings opportunities and gives you actionable advice. Get 1 lifetime report on the free plan and 1 report per month with Premium.
Know your 0-100 financial health score based on 5 key metrics: savings ratio, budget compliance, emergency fund, debts and diversification. Improve your score month over month.
Earn points and badges for good financial habits. Maintain daily streaks, level up and compete with yourself. Gamification makes saving money fun and addictive in the best way.
Dinero Claro is a free personal finance app: expense tracker, budgeting with the 4 Pillars method, savings goals and a personal AI money coach. A better free alternative to Mint, YNAB and Rocket Money — no bank connection required.
A personal finance app designed from the ground up for English and Spanish. Interface, AI money coach and support in your language.
Unlike Mint or Personal Capital, Dinero Claro doesn't require access to your bank account. Manual tracking = better security and financial awareness.
Not a trial period. The free plan includes unlimited expenses, budgets, achievements and AI money coach. No invasive ads.
A budgeting system adapted to real-world situations, built for families with variable income, where the 50/30/20 rule often falls short.
Setting up your personal budget app is simple, fast and effective.
Create your free account — no credit card required. Our personalized onboarding detects your country and currency automatically so you can start immediately.
Add your bank accounts, credit cards, income and expenses. Categorize each transaction with our smart system or let AI do it for you automatically.
Your AI money coach analyzes your spending and saving patterns, identifies opportunities and tells you exactly how to improve your financial situation every week.
Mint shut down in 2024. Dinero Claro offers all its features and more: AI money coach, gamification and bilingual support. 100% free.
Read comparisonYNAB costs $14.99/month. Dinero Claro offers budgets, goals and AI money coach free. Save $180/year.
Read comparisonPersonal Capital requires bank access. Dinero Claro works without bank connections, keeping your privacy intact.
Read comparisonStart free today. Upgrade to Premium for advanced power tools.
Forever
$0 /mo
Advanced tools
$7.99 /mo
or $73.99/year (save 23%)
Free financial planning tools to make smarter money decisions. No registration or personal data required.
Detailed guides to get the most out of every personal finance tool.
View your net worth, income, expenses, and cash flow in one place.
Tap each card for details.
Log income and expenses easily.
Choose category, account, and payment method.
Create goals with deadlines.
Add contributions and watch your visual progress.
Set monthly limits per category.
Get alerts at 80% and 100% of your limit.
Your personal AI money coach analyzes your data and gives actionable recommendations.
Manage multiple bank, savings, and investment accounts with real-time balances.
Articles, guides and tips to improve your financial health, save money and pay off debt faster.
Manage your budget, track expenses, and build better habits with Dinero Claro — free, secure, and available in your language.
No credit card · Cancel anytime · 100% free