Quatro

Quatro splits your spending into four honest quadrants: Q1 Committed — No choice here. Rent, insurance, the non-negotiables. Q2 Needs — You need it, but how much varies. Groceries, petrol, utilities. Q3 Recurring — You keep choosing this, month after month. Subscriptions, gym, habits. Q4 One-off — Completely avoidable. You chose it anyway. Coffees, impulse buys, nights out. The number that matters is always visible: your Cuttable total — everything in Q3 and Q4 combined. That’s the spending that’s actually in your hands. No bank sync. No automatic imports. You enter what you spend, you see where it goes, you decide what to cut. Weekly or monthly view. Navigate back through past periods. See the last 3 periods at a glance on the home screen. Browse, search, and export your full transaction history as CSV — all free. Turn your app notifications into one-tap log entries. When CommBank, Amex, Uber or Wallet notifies you of a purchase, Quatro captures it as a suggestion. Review and add it in one tap. Quatro+ unlocks Insights (yearly chart, monthly breakdown, top categories) and Widgets to keep your Cuttable number on your home screen. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/