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Luca González

ProjectsCuentoro

App, 2026

Private, local personal finance, designed to help you understand your money.

In development
Cuentoro cover: three screens of the app
01

Cuentoro started as a personal tool to better understand the money coming in, going out and left available. The goal is to bring a clear, private financial experience to the iPhone that doesn't depend on an online account.

02

  • Record accounts, income, spending and transfers without friction.
  • Show available net worth and monthly trends in an easy-to-understand way.
  • Include budgets, analysis and the calculators people commonly need in Spain.
  • Keep data local, with no user accounts, ads or tracking.
  • Cut the time it takes to log a payment with the card shortcut.
03

Personal finances are usually scattered across banking apps, notes, spreadsheets and standalone calculators. That fragmentation makes it hard to know how much is really available and to make decisions in time.

04

Cuentoro brings the essentials together in four spaces: Home for the overall picture, Transactions to record and review operations, Budgets to keep spending limits in check and Analysis to spot patterns. It also includes calculators for VAT, income tax withholding (IRPF), electricity and other common money matters.

Logging a card payment can start from a system shortcut to quickly enter the amount, the category and the merchant.

05

  • Native interface built with SwiftUI for iPhone.
  • Local persistence in protected JSON, with no account or backend.
  • Financial engine with decimal arithmetic to avoid rounding errors.
  • Calculators based on explicit mathematical formulas, not artificial intelligence.
  • Support for private mode, export/import, widgets and deep links.
  • Shortcuts via App Intents to speed up logging payments.
06

Cuentoro is in development as a native product focused on privacy, clarity and control. The core already covers the main personal finance flow and keeps evolving with widgets, calculators and system automations.

The App Store launch is planned for 30 December 2026.

  • Home screen in the Midnight theme: net worth of €14,207.34, cards for current account, savings and cash, and the November card with €1,173.95 left in the budget and about €39 a day.
    Your money at a glance
  • Home scrolled down: daily spending for the month, money in and out, budget bars for groceries, restaurants and leisure, and upcoming fixed payments like the gym and the electricity bill.
    This month's budgets and fixed items
  • Sheet to add a transaction with an €18.40 expense in the Restaurants category, account and date pickers, and a custom number pad.
    Add an expense in seconds
  • Sheet to add €2,450 of income in the Salary category with Repeat every month turned on: it will be added automatically on the 1st of each month.
    Salaries that log themselves
  • Transaction list with All, Expenses, Income and Transfers filters, a summary of money in and out this month and transactions grouped by day with their total.
    Transactions grouped by day
  • Budgets screen: €726.05 spent of €1,900, a bar with today's marker and a list of categories with what's left in each.
    Budgets that keep pace
  • Restaurants budget expanded with its latest expense, the option to roll over what's left to next month and the button to delete the budget.
    Detail for each category
  • Bar chart of spending over the last six months with the average marked, a comparison with October and November's breakdown by category.
    Spending analysis
  • Income view for the last six months with the current month highlighted, where it came from by category and notes written in plain language.
    Income analysis
  • Goals screen with the Lisbon trip ring at 70%, quick contributions of €25, €50 and €100, and the emergency fund and new bike goals.
    Savings goals
  • List of fixed transactions with the salary and expenses like the gym and electricity, each with its next date and the automatic logging switch.
    Fixed income and expenses
  • Accounts sheet with the combined net worth and the active accounts: current account, savings and cash with their current and opening balance.
    All your accounts
  • Settings screen with language, currency, appearance, app icon and privacy options like hiding balances and Face ID lock.
    Settings and privacy
  • Appearance screen with thumbnails of the Light, Dark, Sage and Midnight themes, the last one selected, and the four accent colours.
    Four themes to choose from

End of the case study for Cuentoro

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