Books and accounts, budgets and savings, and shared finances. A closer look at the features that bring everyday money together.
A place for everyday transactions, accounts, and the context behind them.
Notebook spaces for months, trips, and projects. Related pages belong together in books.
Pages organize records around a month, household, trip, or project. Books collect related pages, with linking, moving, and archive options keeping the notebook organized as life changes.
Everyday spending and earnings in one record. Amounts, dates, and accounts stay connected.
Each record connects an amount and currency with a date, account, and optional page, tags, or notes. Draft records keep unfinished entries separate from completed-transaction analysis.
Compact fields or structured prompt input. Suggested details remain editable before saving.
Quick entry provides compact transaction fields. Prompt entry combines structured input, suggestions, and editable details, with a preferred input mode available in app settings.
Cash, cards, bank, and mobile banking records. Sub-accounts add another layer of organization.
Accounts represent recorded money in cash, bank accounts, cards, or mobile banking. Sub-accounts provide finer organization under a parent account, alongside balances, statements, and account history.
Money movements between recorded accounts. Both sides appear in balances and statements.
Transfers connect movements between accounts, while exchanges represent both currencies involved. Related entries keep their account context, and analysis treats these movements separately from income and expenses.
Currency-specific records and balances. Spending analysis retains its currency context.
Currencies retain their own records, balances, and analysis. Exchange records connect the two sides of a currency movement, while each collaboration group has one configured currency.
Money lent and borrowed, organized by contact. Repayments and history accompany each loan.
Loan Management brings lending, borrowing, contacts, and related repayments into one overview. Loans can be recorded before a contact is attached, with repayment activity preserved in their history.
Categories and context alongside transactions. Tagged records connect to budgets and analysis.
Manual tags organize transactions for retrieval and comparison. Notes preserve additional context, and the same categories can support budget limits and breakdowns in transaction analysis.
Spending patterns, future costs, and milestones, connected to the same records.
Weekly, monthly, and yearly spending limits. Overall and category progress show what remains.
Budgets support individual or repeating periods with overall and category limits. Spent amounts, remaining room, progress, and estimates connect the plan to its underlying financial records.
Targets, deadlines, and regular saving plans. Emergency funds and future costs have a place too.
Goals support simple targets, deadlines, regular saving, emergency funds, and recurring future costs. Contributions and withdrawals are recorded, while progress and pace reflect the goal type and available financial history.
Due dates and recurrence for expected costs. Payment records and reminders follow each period.
Scheduled costs have amounts, due dates, and recurring periods. Upcoming and overdue occurrences accompany recorded payments and history; reminder notifications depend on device permissions and configuration.
To-do pages hold intended expenses. Completed items connect to transaction entry.
To-do pages separate intended spending from completed records. Planned items hold amounts and transaction details, with supported reminders and a completion flow through transaction entry.
Summaries and trends across recorded activity. Period breakdowns reveal spending patterns.
Dashboard summaries and daily, weekly, or monthly trends reflect completed records. Grouped breakdowns, rankings, and currency-specific views connect the bigger picture with the activity behind it.
Transaction search with flexible filter chips. Matching records explain the figures behind totals.
Search and filter chips narrow records by their available details. Matching transaction lists, counts, and totals bring individual entries into the same view as their financial summary.
Account statements and balance history. Related movements keep their financial context.
Statements connect transactions to the account they affect. Balance history follows recorded changes over time, including related transfers and exchanges, with the underlying activity available for inspection.
A double-entry foundation connects records. Account movements and balances belong together.
Cartera uses a connected double-entry structure beneath its notebook interface. Related account movements and balances preserve the financial context of entered records while pages organize their everyday purpose.
Local storage, backup options, and preferences for a personal financial notebook.
Personal records live in the app’s local database. Everyday recordkeeping is available offline.
Personal records use local storage for everyday recordkeeping. Cloud synchronization, AI tools, and group updates add online capabilities according to available access and service configuration.
Local backup files preserve personal records. Restore is available during app setup.
Backup creation saves a local file through the system file picker. During onboarding, restore includes backup verification and progress feedback before the personal notebook is ready.
Password protection for access to the app. Automatic lock timing fits recording habits.
An app password protects access to the financial notebook. Configurable automatic lock timing fits recording habits, with availability of security actions subject to the app’s account mode.
App language, currency, and entry defaults. Daily entry reminders support a regular habit.
Language preferences can follow the device or use an app selection. Default currency, page, and input mode shape transaction entry, with daily reminders subject to notification permissions.
Online features depend on eligible access, usage allowances, and service configuration. AI processing uses external providers.
Personal records synchronized across Android devices. Sync status reflects available online access.
Eligible access supports synchronization of personal records between Android devices. The app provides sync status, with availability determined by the current plan and service configuration.
Recognition from voice notes and selected images. Extracted transaction details remain editable.
Supported recognition flows accept voice notes or selected and cropped images. Extracted details remain editable before saving; processing uses external AI providers and eligible online access.
Record lookups and summaries through chat. Supported records and plans can be created or edited.
The assistant supports transaction totals, lookups, and creation or editing of supported records, accounts, pages, and plans. Confirmation is included for sensitive actions; messages and relevant records use external AI processing.
AI category tags for eligible transactions. Availability follows configuration and allowances.
When enabled, background AI tagging applies ordinary category tags to eligible records. Access and processing follow authentication, service configuration, and usage allowances.
Group expenses with equal or custom shares. Recorded settlements explain who owes whom.
Groups record personally paid expenses with equal or custom shares. Balances and settlement history explain amounts owed between participants, with shared visibility determined by group permissions.
Contributions and expenses in a group fund. Balances and activity connect members’ records.
A shared fund connects contributions, group-funded expenses, balances, and activity. Member access follows permissions, with the ledger preserving records of the group’s financial activity.
Recurring charges and full or partial payment records. Member and customer statements show what is owed.
Member or customer rosters connect charges with full or partial payment records. Recurring collection periods, individual statements, and outstanding balances keep collection history organized.
Membership and permissions shape shared access. Group activity preserves a shared financial record.
Memberships and permissions determine participation and record visibility. Group updates require internet access, each group uses one configured currency, and available activity preserves its shared record.
