Kakaw.app
Track expenses, set budgets, and build financial wellness.
Track expenses, set budgets, and build financial wellness.
This page is designed to help you find out whether Kakaw.app is good and if it is the right choice for you.
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Expense Tracking
Log transactions manually in seconds across all your accounts, with automatic, editable categories. No bank logins required.
Budgeting
Zero-based envelope budgets: give every quetzal a job, track what's left per category and roll over unspent money.
Net Worth Tracking
Record assets and liabilities in any currency and watch your net worth evolve month by month (Premium).
Multi-currency
Track accounts in quetzales (GTQ), dollars (USD) and 40+ other currencies with automatic exchange-rate conversion.
Multi-language Support
Available in Spanish and English.
Kakaw is a Guatemala-first, privacy-first budgeting app where manual entry is the product, not a limitation. Unlike US apps built around bank OAuth, Kakaw never asks for bank logins or passwords—by design. It supports quetzales, dollars, and 40+ currencies, works fully offline as a PWA on iPhone, Android, and desktop, and doesn’t require email, phone, or a real name (account recovery is a phrase only you hold). The free core is unlimited; Premium adds receipt OCR, net worth, lessons, recurring detection, and bill reminders from 4.99/mo (3.99/mo billed annually).
Choose Kakaw if you want envelope-style control at a lower cost than YNAB-class tools, true multi-currency (including GTQ), and privacy without bank linking. Global apps often assume bank sync (rare or risky for Guatemalan banks) and price for the US market. Kakaw is free forever for core budgeting, available in Spanish and English, and built for everyday life in Guatemala—local banks as manual accounts, offline use, no bank credentials.
Primary: Guatemalan budgeters who think in quetzales and Spanish, track BANRURAL / BAC / BAM / Industrial-style balances manually, and want to know where their money goes—without sharing bank passwords or relying on flaky bank APIs.
Secondary: People who already believe in envelope/zero-based budgeting but want a cheaper alternative to YNAB, multi-currency support, or a privacy-first app that never links to a bank (including diaspora households juggling GTQ + USD remittances).
Kakaw is the Mayan word for cacao—beans that were used as money across Mesoamerica to save, trade, and build wealth. The app carries that heritage forward: a finance tool built for Guatemala, in your language, with your currency and your reality. In a market where automatic bank linking barely exists, Kakaw treats manual, private control as intentional design—warm, local, and independent of US bank-sync infrastructure.
React + TypeScript + Vite PWA, Supabase (Postgres/Auth/Edge Functions), Tailwind/shadcn, hosted on Vercel.
Kakaw is a B2C personal finance product, not an enterprise SaaS with named logos. Our users are individual budgeters—primarily in Guatemala and among multi-currency households—not large corporate accounts. We’re early-stage and do not publish a public customer list or enterprise case studies.
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Check the traffic stats of Kakaw.app on SimilarWeb. The key metrics to look for are: monthly visits, average visit duration, pages per visit, and traffic by country. Moreoever, check the traffic sources. For example "Direct" traffic is a good sign.
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