Budgets that fit your life
Weekly, monthly, and yearly budgets combine overall or category limits with spending progress and remaining amounts.
Monthly groceries
$120 of $20060%
$80 of room left in the plan
Your money,
organized for
real life.
Cartera brings everyday spending, budgets, savings goals, and shared finances into one Android app. Notebook-style pages and connected accounts give every part of life its own place.
Available for Android A place for everyday money
Everyday finances, brought together.
Records, plans, and shared finances, all part of your financial notebook.
- Books & pages
- Expenses & income
- Quick & prompt entry
- Accounts & sub-accounts
- Transfers & exchanges
- Multiple currencies
- Loans & repayments
- Tags & notes
- Flexible budgets
- Savings goals
- Scheduled expenses
- Planned spending
- Dashboard & charts
- Search & filters
- Statements & history
- Connected accounting
- Local & offline records
- Backup & restore
- App password & lock
- Language & preferences
- Cloud sync
- Voice & image entry
- Cartera assistant
- Automatic tagging
- Shared costs & settlements
- Shared funds
- Dues & collections
- Group access & history
The everyday book3 pages
HOMEOctober
October
expenses
Groceries$120
Utilities$60
Lunch$15
The everyday stuff.TRAVELWeekend
Weekend
away
Train tickets$40
Stay$85
Coffee$4
The good memories.WORKClient
Client
project
Income$500
Materials$25
Travel$12
A little side hustle.Illustrative pages and sample records
One life.
More than one page.
Cartera’s pages give a month, a household, a trip, or a project its own space. Books bring related pages together, while connected accounts retain the financial context behind each record.
Accounts tell you where.
Cash, a bank account, a card.
Pages tell you what for.
Home, travel, work, and everything between.
Notebook simplicity, with connected financial records underneath.
For this month.
And your next milestone.
Everyday spending and future goals,
with a clear view of progress.
Flexible savings goals
Savings goals support targets, deadlines, regular contributions, emergency funds, and recurring future costs.
Weekend trip
$80 of $20040%
A little closer with every contribution
Scheduled expenses
Scheduled expenses include due dates, recurring periods, recorded payments, and reminders subject to device permissions.
Rent Due 10 October
SeptemberRecorded
OctoberUpcoming
Illustrative planning examples with sample financial records.
From a quick note
to a clearer picture.
Quick fields and prompt-style entry bring flexibility to everyday recordkeeping. Notes, tags, and analysis connect the details with the bigger picture.
Accounts & sub-accounts
Balances, statements, and history for cash, cards, bank accounts, and mobile banking records. Sub-accounts add finer organization under a parent account.
Tags, notes & analysis
Tags and notes keep context with each record. Search, filters, trends, and breakdowns connect summary figures with the transactions behind them.
Multi-currency records
Currency-specific records and analysis, with both sides of currency exchanges reflected in balances and statements.
Loans & repayments
Money lent and borrowed, organized by contact, with loan history and related repayments in Loan Management.
An assistant for
everyday money.
The Cartera assistant provides spending summaries, budget information, and record creation or editing through chat. Voice and image entry return transaction details that remain editable before saving.
AI features require eligible access and connectivity. Messages, attachments, and relevant records are processed by external AI providers.
Chat, voice & images
Spending and budget queries
Voice-based transaction entry
Image-based transaction recognition
Availability and usage allowances vary by plan.
Local records. Backup and sync.
Local records & backups
Personal records are stored locally, with local backup creation and restore during setup.
App password & automatic lock
An app password and configurable automatic lock add privacy to financial screens on the device.
Cloud sync, when available
Cloud synchronization keeps personal records connected across Android devices, with eligible access and connectivity.
What is Cartera?
Cartera is an Android expense tracker and money manager that brings everyday records, budgets, savings goals, loans, and shared finances together in one financial notebook.
How do pages and accounts fit together?
Accounts represent where money is held or moves: cash, a bank account, or a card. Pages organize records by context, such as a month, a trip, or a project. Books bring related pages together. Each transaction retains its account and its context.
What multi-currency features are included?
Cartera supports currency-specific records, balances, and analysis, with both sides of a currency exchange represented in account statements. Each collaboration group uses one configured currency.
What does Loan Management include?
Loan Management brings money lent, money borrowed, contact details, and related repayments into a dedicated overview. Loans can also be recorded before a contact is attached.
What kinds of savings goals does Cartera support?
Savings goals support amounts, deadlines, regular contributions, history-based emergency funds, and recurring future costs. Progress measures reflect the type of goal and the financial records available.
How are payments and transfers represented?
Transfers, savings contributions, bill payments, and group settlements are records of financial activity. Account balances reflect the amounts entered in Cartera, with related activity available in statements and history.
Which features are available offline?
Personal records use local storage. Cloud sync, AI, and group updates are online features. Collaboration also supports cached reading of previously available records.
What backup options are included?
Local backup creation and restore during setup are included in the app. Cloud synchronization between Android devices is available according to the current plan and service configuration.
How does the assistant work with financial records?
The assistant provides transaction lookups, summaries, and supported record creation or editing through chat. Messages, attachments, and relevant records are processed by external AI providers. Recognized transaction details remain editable before saving.
How is access to online features determined?
Cloud sync, collaboration, voice and image recognition, the assistant, and automatic tagging have access conditions determined by the current plan, usage allowances, and service configuration.
Cartera support.
A direct point of contact for product questions,
feedback, and feature suggestions.
Everyday money.
One financial notebook.
Cartera for Android brings records, planning, and shared finances together.
Get it on Google PlayOne app. Many parts of life.