# Kontto: Personal Finance — Track spending and cards > Offline personal finance manager with secure, on-device data storage and AI insights. (iPhone/iPad app by Laysson Enderson De Novaes Souza.) - Source: https://appshunter.io/ios/app/kontto-personal-finance/id6779804042 (this page in markdown: same URL + `.md`) - Developer: [Laysson Enderson De Novaes Souza](https://appshunter.io/developer/6779804044) - Category: Finance, Productivity - Price: Free - Age rating: 4+ - Requires: iOS 16.4 · 73 MB - Languages: American English, Brazilian Portuguese - Released: 2026-06-20 - Data updated: 2026-08-25 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/kontto-personal-finance/id6779804042/reviews.md ## What is Kontto? Kontto is the personal finance app where your data stays on your phone — no cloud, no login, no cross-app tracking. See where your money is going, 100% offline. Your financial data never leaves your device — only what you choose to export. — KEY FEATURES — • Accounts and cards: balance, limit, statement close and due date for every card, no surprises. • Fast entries: income, expenses, transfers and installments organized by category, date and account. • Monthly analysis: income, expenses and your balance at a glance, with spending by category. • Budgets and goals: set limits per category and track your savings goals. • Receipt scanning (OCR): snap a photo and Kontto reads the amount, date and category. • AI financial health: optional analysis of your strengths and what to improve (bring your own key — BYOK). • Backup when YOU want: manual JSON export and import, encrypted. It only leaves your device when you export it. • Security: PIN and biometric lock. — PRIVACY FIRST — No sign-up. No login. No cloud. No ads. No cross-app tracking. Your financial data stays on your device only. — WHO IT'S FOR — For anyone who wants to get their money in order without handing their financial life to a server. Simple enough for everyday use, complete enough if you take it seriously. Download for free and start today. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://kontto.com.br/privacidade ## Key features - Offline data storage - No cloud or login required - Receipt scanning (OCR) - Budgeting and savings goals - AI-powered financial health analysis - PIN and biometric security - Manual JSON backup with encryption ## Recent user reviews (6 of 6) All indexed reviews: https://appshunter.io/ios/app/kontto-personal-finance/id6779804042/reviews.md ### 5/5 — Melhor app de finanças disponíveis *2026-08-08* App é top, testei muitos outros e esse sem sobra de dúvida foi o melhor, principalmente para quem usa vários cartões de crédito e fazem compras parcelados ### 5/5 — Praticamente perfeito *2026-07-29* Parabéns ao Laysson que sozinho conseguiu entregar um app melhor que a maioria dos outros com grandes equipes. Projeto pensado em brasileiros, gostei muito! ### 5/5 — O melhor app de finanças *2026-06-27* Sem dúvidas o melhor app de finanças que já usei. Prático e com diversas funcionalidades muito úteis no dia a dia. Tem uma interface que te impulsiona ao uso diário o que ajuda muito com o controle financeiro. ### 5/5 — Intuitivo *2026-06-24* Muito bom. Facil de utilizar ### 5/5 — Prático e eficiente *2026-06-21* Aplicativo intuitivo e fácil de usar. Atende as necessidades com praticidade e rapidez. A experiência é ótima, com bom um bom desempenho. Recomendo!! ### 5/5 — PERFEITO *2026-06-21* Tudo que precisava pra organizar minhas coisas ## Frequently asked questions about Kontto ### Is Kontto free to use? Yes, Kontto is free to download and use. The app is available at no cost on supported devices. ### Does Kontto have ads? No, Kontto is ad-free. The app explicitly states it does not contain advertisements, ensuring an uninterrupted user experience. ### How secure is Kontto? Kontto prioritizes security with PIN and biometric locking. Your financial data is stored exclusively on your device, with no cloud synchronization or logins required. ### Can I scan receipts with Kontto? Yes, Kontto features OCR (Optical Character Recognition) to scan receipts. It can read the value, date, and category directly from a photo of your receipt. ### Does Kontto offer budgeting features? Yes, Kontto allows you to set budgets and savings goals. You can define limits per category and track your progress towards your financial objectives. ### How often is Kontto updated? The latest version of Kontto is 1.0.26, last updated on July 4, 2026. This indicates a recent update, suggesting ongoing development and maintenance. ### What devices does Kontto support? Kontto is available for iPhone and iPad. It is designed for iOS devices. ### Can I back up my data in Kontto? Yes, Kontto allows for manual backup and import of your data in JSON format with encryption. You control when and if your data leaves your device. ## Version history (last 5 releases) ### 1.0.54 — 2026-08-24 Your financing balance now moves when you pay: the balance you entered becomes an anchor and the app draws it down by each installment's real amortization — and one tap shows how much of the next one is interest. Kontto also lets you know when your data has gone a month without a copy, and the reminder comes off in Settings with one tap. Plus two import fixes: OFX statements that came back empty, and PDF invoices read halfway or generated as an image. ### 1.0.53 — 2026-08-21 The invoice screen got an add button. Before, posting a purchase the app didn't capture meant leaving the invoice, opening the form, ticking "use card" and finding the card all over again — now the + is right there, with two actions: expense and refund. And the refund, which used to hide inside "More details", now has its own screen with only what a return needs: it credits the right category, so the month's report stops saying you spent what was given back. The form also tells you which invoice the purchase lands on the moment you pick the card — "Goes into the August invoice" — instead of burying it at the bottom. Business-day due dates, card by card. When the due date falls on a Saturday, Sunday or holiday, the bank usually charges on the next business day, but the app insisted on the nominal date: an invoice "overdue" on Sunday and a reminder on Saturday. Now, in the card setup, you can turn on "Business-day due date" and the date the bank actually practices shows up in the carousel, the invoice screen, the reminder and the cash flow. The invoice still belongs to the same month as always — the roll is about payment only, never about which month it counts in. It ships off by default, since banks disagree with each other. Financing with a decreasing installment. Anyone on a SAC contract saw every future installment at today's value, the highest point of the curve — and "Projected interest" came out at nearly double the real interest on a long contract. Financing now has an amortization system (SAC, Price or fixed installment), the curve is computed from the contract itself, and the real bill anchors the amount with an add-on for insurance and fees. The setup screen was redesigned alongside it and shows how the installment will look before you save. Fixes: changing the invoice month of an installment purchase no longer touches an invoice you already paid — the "All" scope disappears when it would drag an already-settled installment, which used to leave the invoice without touching the payment; AI works again for anyone who created their Gemini key now, since the model the app used had been retired for new keys only; backup and sync now move in step, and turning sync on right after restoring a backup no longer overwrites what just came back; and OFX import now respects the time in the file, instead of stamping "now" on someone who is only recording the past. Thanks for using Kontto! ### 1.0.52 — 2026-08-20 PDF invoice reading learned 8 new banks and now understands 22: XP, Sicredi, Banrisul, Carrefour, PagBank, Bradescard, Renner (Realize) and Riachuelo (Midway) just joined. Every bank prints its invoice differently — dates broken across two lines, the minus sign after the amount, a future-installments table that would duplicate everything — and each one now has its own dedicated reading, checked to the cent against real invoices. The reconcile screen also got more direct: PDF and OFX became the recommended sources, and the bank list only shows when you want to see it. Adjust balance grew up. It used to only correct the number; now, when the real balance differs from what's recorded, it asks where the difference went (or came from) — and you can post it as a real expense or income that counts in reports and budget, record a transfer, or just adjust like before. If you check your bank statement and know you spent those R$ 8, you're no longer left with an invisible adjustment. Paying an invoice got more trustworthy: the suggested amount is now always the actual invoice's, minus what you already paid — before, paying from the month list, the field could come up with a total that wasn't the invoice's. And the home screen, month balance and budget totals now match the invoice even with the full-value installment preference on. The "Who owes me" screen now speaks your language: receivables, not loans — selling a phone or splitting a dinner fits too. The AI key setup got clearer, shows when AI is active and gained a remove-key button; connection test errors now say what actually happened (model unavailable, provider instability or network drop) instead of blaming your key. And the card step in First steps can now be skipped. Fixes: entries that move money (paying an invoice, receiving a loan payment, adjustments) now store the time; emptying the trash no longer makes a deleted category come back on its own; layered PDFs (stamps, signatures) no longer come out empty in reconcile; and erasing all data no longer turns off Pro for subscribers. Thanks for using Kontto! ### 1.0.51 — 2026-08-17 The Account report is here. From an account's statement, you can now see the whole month added up: what came in, what went out, and what each category and each tag took — with filters and PDF export, the same way the invoice report already worked on cards. The numbers match the "+X · −Y" on the statement by construction: a transfer received counts as money in, one sent counts as money out, and a balance adjustment shows in the list without entering the total. The card invoice changed how it organizes things. It now groups purchases by the month they were made in, not by the date the installment falls on: an installment of a January purchase no longer tops the July invoice just because its day number is higher. It now appears below, in a group for its original month, showing the real purchase date. The date is now always shown on every row, and the "3/8" moved next to the amount, where it no longer eats the merchant's name. The account detail got the "+" button, the same one from the home screen: expense, income and transfer with that account already filled in, no going back. And an imported receipt now arrives with the description already filled from whatever the scan could identify ("Pix sent · Nubank"), instead of making you type something before saving; when you're done, you can go straight back to the home screen. First steps no longer require a credit card: the third step now follows the goal you picked at the start — bills, budget, savings goal or logging your first expenses. Fixes in this version: the app no longer crashes when coming back from the background, nor when you tap back right after that; card OFX statements and PDFs that open with something before the header stopped being rejected; an iCloud file that hasn't downloaded yet now tells you what to do; the calculation in the calculator keypad wraps to its own line instead of disappearing behind "..."; and an installment purchase on a card now stores the time, like a single purchase already did. Thanks for using Kontto! ### 1.0.49 — 2026-08-14 This version brings general performance and stability improvements. Invoice reconciliation is now more robust: incomplete or damaged PDF files are read whenever possible instead of failing. ## Related topics [zuppa lojistas](https://appshunter.io/ios/topics/zuppa-lojistas) · [digi agro sicredi](https://appshunter.io/ios/topics/digi-agro-sicredi) · [mfp assets](https://appshunter.io/ios/topics/mfp-assets) · [erbilo](https://appshunter.io/ios/topics/erbilo) · [artech sis](https://appshunter.io/ios/topics/artech-sis) · [tfleet rotas](https://appshunter.io/ios/topics/tfleet-rotas) · [universidade cibra](https://appshunter.io/ios/topics/universidade-cibra) · [total acesso facial](https://appshunter.io/ios/topics/total-acesso-facial) · [cliente riacho doce](https://appshunter.io/ios/topics/cliente-riacho-doce) · [spfconselho](https://appshunter.io/ios/topics/spfconselho) · [ubiapp exposec](https://appshunter.io/ios/topics/ubiapp-exposec) · [traffy fondue manager](https://appshunter.io/ios/topics/traffy-fondue-manager) · [gescondo brasil](https://appshunter.io/ios/topics/gescondo-brasil) · [gw multas oficial](https://appshunter.io/ios/topics/gw-multas-oficial) · [cliente sndesk](https://appshunter.io/ios/topics/cliente-sndesk) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*