For our community in the USA
The Budgeting App for Latino Families in the US
Budgeting apps were designed for fixed English paychecks with a bank account. Our reality is different: biweekly pay, tips, cash, remittances and Spanish. Dinero Claro was built for that reality.
Last updated: September 2026
Quick answer: Dinero Claro is the bilingual (EN/ES) budgeting app for Latino families in the US: built for biweekly pay, treats remittances as a fixed cost, needs no bank or SSN, and its free plan covers real budgeting. Premium: $7.99/month or $73.99/year.
Built for our reality
In your language, for real
The whole app, articles and AI coach in Spanish or English. No weird machine translations.
Built for biweekly pay
Flexible percentage ranges that adapt to biweekly pay, tips and variable income.
Remittances without guilt
Money you send family is a fixed cost (Pillar 1), not a luxury. Your budget respects it.
No bank, no SSN, no fear
Private manual entry. Works with cash, ITIN and prepaid cards.
Free tools to start today
A coach that speaks your language
The AI money coach analyzes your real spending and gives advice in English or Spanish: where to cut, how to raise your savings, when you're overspending. Included in the free plan.
Frequently asked questions
Is Dinero Claro really free?
Yes. The free plan includes unlimited budgets, expense tracking, savings goals, gamification and 1 lifetime AI coach report. Premium is $7.99/month or $73.99/year and adds the debt planner, monthly AI reports, bill reminders and credit tracking.
Is the app fully in Spanish?
Yes — 100% bilingual EN/ES with no machine translation. Every screen, article and AI coach response works in the language you choose.
Do I need a Social Security number or bank account?
No. Dinero Claro works with manual entry, so it works for cash income, ITIN holders and anyone without a US bank account. Nothing to connect, nothing to verify.
How do I budget money I send to family?
Treat remittances as a fixed cost — Pilar 1 of the 4 Pillars method. They are a real obligation, not a "want", so they get their own line in your budget before anything optional.
I get paid every two weeks. Does the 4 Pillars method work?
Yes. The 4 Pillars method uses flexible percentage ranges instead of fixed dollar amounts, so it adapts to biweekly pay, tips and variable gig income automatically.
Your money, in your language, your way.
Free to start. No bank. No SSN.