Know where your money goes.
Plan your future.
Track income, expenses, credit cards, investments and scheduled payments in one place. More useful than a banking app, easier than a spreadsheet.
Features
Overview
See all accounts, cash balance, credit card debt and monthly summaries in one dashboard.
Income & Expense Tracking
Categorize spending and instantly understand where your money goes by account and date.
Credit Card Tracking
Track card limits and total debt. Manage credit card spending separately from cash flow.
Overdraft Control
Follow overdraft usage, available limits and debt status without losing sight of your budget.
Scheduled Payments
Plan bills, dues and installments. Never miss upcoming payment dates.
Market Mode
Prepare a grocery list, enter shelf prices in store and track basket total against your budget.
Analysis & Monthly Summary
Compare monthly income and expenses, then review spending trends with charts.
Receipt to Transaction
Upload a receipt photo and automatically read date and amount before creating a transaction.
Stock Portfolio
Track BIST and US stocks. See average cost and daily movement in one place.
Export
Export transactions as PDF, JSON or CSV for your accountant or archive.
How it works
Create an account
Create a free account in seconds.
Add income & expenses
Record cash, credit card or overdraft transactions with the right source.
Track your month
Use analysis and scheduled payment screens to see the end of the month clearly.
We do not connect to your bank account.
We never ask for your card number, CVV or banking password. You enter your financial data manually and stay in control.
START FREE NOWWho is it for?
For people whose salary disappears before month-end, who want to track credit card debt, use overdrafts or manage a budget without spreadsheets.
Why Cepte Kalsın?
It focuses on personal cash flow without bank connections or complicated accounting language.
Access from every device
Use it as a mobile app on your phone or from your computer through the web app.
Pricing
Free
Start free for everyday budget tracking.
- Unlimited bank accounts
- Unlimited overdraft accounts
- Unlimited credit cards
- Income, expense and category tracking
- Unlimited scheduled payments
- Market Mode: lists and manual basket tracking
- Receipt autofill (OCR)
- Analysis and limited monthly summaries
Plus
AI, full history and portfolio features
Save with the annual $29.99 plan
- Everything in the Free plan
- Import PDF statements as transactions with AI
- AI shelf label reading in Market Mode
- Full access to past monthly summaries
- Stock portfolio
- Export as PDF, CSV and JSON
Frequently Asked Questions
Does Cepte Kalsın connect to my bank account?
No. Cepte Kalsın does not connect to your bank account and never asks for banking credentials. You enter transactions manually or add them automatically by uploading a photo.
Can I track credit card spending?
Yes. You can record credit card limits, total debt and expenses, then manage them separately from your cash flow.
Can I track overdraft usage?
Yes. You can add overdraft accounts and follow available balance, debt and spending status.
What are scheduled payments for?
You can add recurring bills, dues and installments, see upcoming payment dates and plan cash flow accordingly.
Are stock prices live?
Partially. Portfolio value is calculated with daily price updates, not real-time market data.
Are uploaded PDF statements and receipts stored?
No. Bank statement PDFs, account activity PDFs and receipt images are not stored as files. Only transaction details you review and approve are added to your records.
Is my data secure?
Yes. Data is stored securely on a security-focused infrastructure and is never shared with third parties for advertising.