Dinero Claro is the best budgeting app and personal finance app that helps you track expenses, build a real budget and pay off debt — with a personal AI money coach. No bank login required. Bilingual English & Spanish.
Free plan · No credit card · No bank login
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. Like having a personal financial advisor available 24/7, completely free.
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 the most complete free personal finance app: expense tracker, budgeting with the 4 Pillars method, savings goals and a personal AI money advisor. A better free alternative to Mint, YNAB and Rocket Money — no bank connection required.
The only personal finance app designed from the ground up for English and Spanish. Interface, AI advisor 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 advisor. No invasive ads.
A budgeting system adapted to real-world situations, more effective than the 50/30/20 rule for families with variable income.
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 financial advisor 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 advisor, gamification and bilingual support. 100% free.
Read comparisonYNAB costs $14.99/month. Dinero Claro offers budgets, goals and AI advisor free. Save $180/year.
Read comparisonPersonal Capital requires bank access. Dinero Claro works without bank connections, keeping your privacy intact.
Read comparison"In 3 months I saved my entire emergency fund with Dinero Claro. The AI advisor helped me spot invisible spending leaks. Best expense tracker app I've ever used."
Sarah M.
Entrepreneur
2026-02-15
"The debt planner showed me the Avalanche strategy saves $12,000 in interest. Dinero Claro is way better than Mint and YNAB combined, and it's completely free."
James R.
Software Engineer
2026-01-22
"I love the gamification and achievement system. 4-month streak hitting my budgets. It's addictive in the best way. The best personal finance app in 2026."
Emily L.
UX Designer
2026-02-10
"The AI advisor helped me cut $280/mo by finding duplicate subscriptions. Incredible tool."
Robert M.
Accountant, Austin TX
2026-03-01
"The 4 Pillars method helped me organize family finances. Now I know exactly where every dollar goes."
Sophie T.
Teacher, Chicago IL
2026-02-28
"As a freelancer my income varies a lot. Dinero Claro gave me total control and I built my emergency fund."
David P.
Freelancer, Miami FL
2026-02-05
Start 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 financial advisor 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