Every money app makes a bet.
"We'll do it for you."
Rocket Money · Monarch · Copilot
Connect your bank. We'll categorize, analyze, and surface insights. You review.
"Follow our rules."
YNAB · EveryDollar
Set a budget before you spend. Every dollar gets a job. Discipline first, reality second.
"Here's your data."
Spreadsheets · PocketGuard
Maximum visibility. Minimum guidance. You're on your own.
Carlo makes a different bet
The Carlo approach
That keeping the record yourself is worth it.
That a few seconds spent recording each purchase keep you close to your spending. That Carlo should make those seconds quick, not skip them.
No bank connection required. No rules to follow before you've learned anything. Just you, your spending, and 30 days to see what's actually happening.
Track first. Understand through doing.
See if it changes anything for you.
iPhoneComing soon
