Features
Everything it does, and nothing it doesn’t.
Completo is a manual tracker on purpose. No bank connection, no guessed categories, no feed of things you didn’t ask for — just a fast, accurate record of where your money actually goes.
Entry
Built around the ten-second transaction
The whole app is arranged so the thing you do twenty times a week is the thing that costs you nothing. The amount field takes focus before the screen has finished animating, the payee you used last time predicts its own category, and the save button never moves.
- Amount, category, done — everything else is optional
- Payees remember the category you filed them under
- Transfers between your own accounts don't count as spending
- Search, filter by type, date range or account
Budgets
Numbers you can act on, not just read
A budget that only reports the past is a receipt. Completo's budgets are stated in what's left and how long it has to last, which is the form the decision actually takes when you're standing in a shop.
- Weekly, monthly, yearly or a custom date range
- Roll unspent money into next period, if you want it
- Per-category or across everything
- Over-budget is stated plainly, without a red panic screen
Repeats & bills
The fixed costs handle themselves
Rent, salary and subscriptions post on schedule whether or not the app was open. If you were away for three months, the catch-up is exact — and it never double-posts, even if two of your devices come back online at the same time.
- Daily, weekly, monthly or yearly, at any interval
- A rule set for the 31st stays on the 31st, month after month
- Bill reminders a chosen number of days ahead
- Mark paid, and the next occurrence rolls forward on its own
The long view
Reports that answer a question
Where it went this month, how that compares to last, and what your net worth has done over the past year. Assets minus liabilities, tracked automatically as balances change.
- Spending by category, as a breakdown you can drill into
- Month-on-month comparison
- Net worth history with assets and liabilities split out
- Export everything to CSV, on any plan
The rest of it
Details that decide whether you keep using it.
Works with no signal
Everything lives in a local database on the phone. Aeroplane mode, a dead cell, a flight — none of it changes what the app can do.
App lock, always free
PIN or biometric unlock on cold start, with an optional stricter mode that also locks when you switch apps. Never gated behind a plan.
Your currency and week
Currency, decimal and thousands separators, date order, and which day the week starts on are detected from your device and can all be changed.
Cloud sync when you want it
Sign in and your data reaches your other devices. Sign out and it's cleared from that phone. Sync is opt-in, not the cost of using the app.
CSV import and export
Bring in a bank statement instead of retyping a month of it. Export your own transactions any time, on any plan, no questions.
Delete means delete
Deleting your account from inside the app removes the server-side copy too. Not a support ticket — a button.