About Cryo
Cryo is a personal finance app for tracking income, expenses, accounts, credit cards, debts, investments, and savings goals. Users can enter transactions by typing or speaking a short description; the app extracts details such as amount, category, account, date, and installment count for review. It can learn from corrections to this interpretation. The app is currently available in Brazilian Portuguese and uses Brazilian reais. An overview shows balances, net worth, and monthly inflows and outflows. Forecasting estimates what may remain at the end of the month at the current spending pace and calculates a daily spending allowance. Other views include a spending heatmap and a chart of money flows. Credit card tools show statements, available limits, and installment purchases. Debt tracking covers payment schedules, overdue alerts, remaining balances, and projected payoff dates. Users can set category budgets with alerts at 80 percent and when a limit is exceeded, manage recurring income and bills with due-date reminders, set savings goals, record investments, and transfer money between accounts. Fingerprint, face, or device-PIN locking is available, and amounts can be hidden on screen. Cryo has no internet permission; data stays on the phone. Backups can be saved to a local folder or handed to a cloud-storage app, and data can also be exported as a spreadsheet. The app has no account, ads, or tracking. Voice entry uses the device’s installed speech recognizer, while typed entry remains available.
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