Smart Expense Tracking
Enter income and expenses manually, review category suggestions, and use charts to understand the transactions you add.
Bilingual budgeting app · Free to start
Out of money before the next paycheck?
Dinero Claro helps you understand where your money goes, build a budget you can actually stick to, and make better financial decisions — in Spanish or English.
Free plan · No credit card · No bank connection
SSL Secure
No Bank Access
Free Plan
What you can do
Clarity with your money, step by step
No complicated formulas. You log what comes in and what goes out, and the app shows you what's really happening with your money each month.
Understand your money
See exactly where every dollar goes: rent, food, money you send home, subscriptions.
More on understand your moneyBuild a realistic budget
Set a budget based on what you actually spend, not made-up numbers.
More on build a realistic budgetSave on purpose
Pick a goal — emergency fund, a car, school — and watch your progress.
More on save on purposePay down debt
Organize your debts and get a clear plan to pay them off sooner, with less interest.
More on pay down debtGet help from AI
The AI money coach reviews the information you enter and can suggest areas of your budget and goals to review.
More on get help from aiSpanish and English
Switch languages anytime. The whole app and the coach work in both.
You don't need to connect a bank account to use Dinero Claro.
Features
Everything you need in a free budgeting app & expense tracker
Powerful budgeting, expense tracking and AI-driven savings — in one clean personal finance app.
Smart Budgets — 4 Pillars Method
Organize your budget into fixed costs, investments, savings goals and flexible spending. Adjust the amounts to your income and priorities.
Savings Goals with Visual Progress
Set savings goals with deadlines — emergency fund, vacation, house down payment. Contribute gradually, track visual progress and celebrate every milestone reached.
Personal AI Money Coach
The AI coach analyzes the information you enter and can offer ideas to review in your budget and goals. The free plan includes one initial report; Premium includes one report per month.
Financial Health Score
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.
Gamification & Achievement System
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.
Why us?
Explore Dinero Claro's budgeting tools
Dinero Claro brings together tools for manual expense tracking, budgeting, savings goals and reviewing your finances with an AI money coach. You can use it without connecting a bank account.
Fully bilingual (EN/ES)
A personal finance app designed from the ground up for English and Spanish. Interface, AI money coach and support in your language.
No bank connection required
Enter transactions manually or import them by CSV. You do not need to share bank credentials or connect a financial institution.
Free plan available
The free plan is not a temporary trial and includes core features. Premium adds advanced tools; see Pricing for current details.
4 Pillars budget method
One way to organize a budget into four categories, which you can adapt to your circumstances and income.
How it works
How Dinero Claro Works: Start in 3 Easy Steps
Set up your personal budget and start recording transactions.
01
Sign up free in 30 seconds
Create your free account — no credit card required. Our personalized onboarding detects your country and currency automatically so you can start immediately.
02
Log your income & expenses
Set up account categories and enter income and expenses manually. You can import transactions from a CSV file and review category suggestions.
03
Get personalized AI advice
Your AI money coach analyzes the information you enter and may suggest areas of your budget or goals to review.
vs
Dinero Claro vs other personal finance apps
Dinero Claro vs Mint
Mint shut down in 2024. Dinero Claro offers manual tracking, budgets, savings goals and bilingual support. Available features vary between the free and Premium plans.
Read comparisonDinero Claro vs YNAB
Compare each service's current pricing and features to decide which one fits your needs.
Read comparisonDinero Claro vs Personal Capital
Personal Capital requires bank access. Dinero Claro works without bank connections, keeping your privacy intact.
Read comparisonWhat users say
Real people, real money, real results
We only publish reviews sent by real app users, with their permission.
“It helped me a lot to understand my personal finances in a really simple way. The interface is very clean and straightforward.”
Dama
Verified user · Charlotte, NC
“The best app for keeping track of your money. I love how fast you can log your daily expenses without any hassle.”
Suly
Verified user · Columbia, SC
“Excellent tool, very useful for organizing monthly budgets. Fully recommended for those of us who struggle to save.”
Oscar
Verified user · Dallas, TX
“Super practical and secure. It gives me total clarity about where my money goes every paycheck, without wasting time.”
Rolando
Verified user · Miami, FL
Pricing
Simple, transparent pricing plans
Start free today. Upgrade to Premium for advanced power tools.
Free
Forever
$0 /mo
- Unlimited expense tracking
- 4 Pillars budgeting method
- Savings goals
- 1 AI report (one-time, lifetime)
- Basic financial health score
- Achievements, streaks & gamification
- Free financial calculators
Most popular
Premium
Advanced tools
$7.99 /mo
or $73.99/year (save 23%)
- Everything in Free
- Debt planner (Snowball/Avalanche)
- 1 AI report per month
- Bill reminders
- Credit tracking
- Unlimited goals
- CSV data export
- Investment tracking (stocks, ETFs, crypto)
FAQ
Frequently asked questions about Dinero Claro
Tools
Free Financial Calculators — No Sign-Up Required
Free financial planning tools to make smarter money decisions. No registration or personal data required.
Learn
How to Use Dinero Claro — Step-by-Step Guides
Detailed guides to get the most out of every personal finance tool.
App Features
Financial Dashboard
1
View your net worth, income, expenses, and cash flow in one place.
2
Tap each card for details.
Transaction Tracking
1
Log income and expenses easily.
2
Choose category, account, and payment method.
Savings Goals
1
Create goals with deadlines.
2
Add contributions and watch your visual progress.
Budget Management
1
Set monthly limits per category.
2
Get alerts at 80% and 100% of your limit.
AI Money Coach
1
Your personal AI money coach analyzes your data and gives actionable recommendations.
Account Management
1
Organize accounts for your transactions and enter the balances you want to track; there is no bank syncing.
Blog
Personal Finance & Money-Saving Blog
Articles, guides and tips to improve your financial health, save money and pay off debt faster.
Start today, it's free
Ready to take control of your finances?
Manage your budget, track expenses, and build better habits with Dinero Claro — free, secure, and available in your language.
Free plan available · No card required to start