Manage your personal finances from your phone. Your accounts and transactions stay on the same device.
What it is
Equilibrio began as a real spreadsheet, used for years to track real finances: what comes in, what goes out, what is owed, and what still needs to be paid this month. It worked, but lived on a computer and had to be updated by hand.
This application does the same on your phone, with one important difference: it understands the notifications your bank sends you. When a purchase email arrives, the amount, date and merchant are read automatically and made ready to save.
It does not connect to any bank or ask for your passwords. Using the notification text you provide, it prepares a transaction for you to review and confirm, without typing it from scratch.
Paste a notification and the application extracts the amount, date and merchant. It understands formats from several Costa Rican banks and has a generic reader that identifies data by its name and format, in Spanish or English, for unfamiliar banks. If it detects a possible duplicate, it warns you before saving so you can review it; you can continue when it is another legitimate transaction.
Each account uses a single currency and is either debit or credit. A debit account can be marked as savings, changing how it is included in totals. You can save the last four card digits to help match bank notifications to the right account.
Besides accounts, you can record people you owe money to or who owe you money. A loan between friends is tracked like an account, in either direction.
Nine types, each with its own form: income, an expense, recording money a person owes you without moving money from your accounts, someone paying you, you paying someone, a credit card payment, moving money between your own accounts, a bank finance charge, and each account's opening balance. All can be edited and deleted later.
Expenses paid every month on one or more set days, with the option to split them into installments. The application shows what is due in the current period, and you can record the payment from there. An expense that no longer applies is archived without losing its payments, and can be reactivated.
What you planned versus what actually happened, by period, with committed amounts separated from what is available.
A period is the span of time you use to organize income and expenses. Equilibrio uses two per month: the 1st through the 14th, and the 15th through the last day. You can view periods separately or group them by month; this changes the presentation, not the recorded data.
Each account has its own currency. Totals are shown separately by currency, and you enter the exchange rate when conversion is needed; the application never looks up a rate online.
Your data is backed up in two ways, and you can use one or both.
On your device: you export a file that you keep wherever you want and can import on the same device or another.
In Equilibrio: a copy on the Equilibrio server, manual or automatic when you open the app, that you restore on any device with your license activated.
Both are encrypted with a password you choose, and restoring a file replaces the data on the device. Keep the password somewhere safe: Equilibrio does not store it and cannot recover it for you.
Once installed, you can manage accounts and transactions offline. The license is a one-time payment and does not expire: it comes with a number of uses. Internet is needed to activate the key and, if you use it, to receive emails from the Gmail add-on. When it has internet, the application verifies the key on its own; offline it keeps working for up to 30 days after its last verification, plus 7 days with a notice.
On Android and iOS, add it to your home screen and open it like any other application, without going through an app store.
Spanish and English, eight themes, and five classic colors. Every option works in light and dark mode.
That last point is a design decision, not a limitation. An incorrect amount that looks right is worse than an empty field: you notice an empty field, but you save an incorrect amount.
How it works
The familiar way
Open the application, choose the transaction type and complete the form. Nothing leaves your phone.
Copy and paste
Copy the bank notification and paste it into the application. The amount, date and merchant are read automatically. On Android you can also share the text with Equilibrio from another app, without copying it. Nothing leaves your phone this way either.
A single tap
With the Gmail add-on installed and linked, open the bank email and send it with one tap; then review and record it in Emails. This is the only method in which the email text passes through a server, and only for the emails you choose to send.
The add-on is optional and requires an active Equilibrio license. It is linked with a code you create in Link Gmail, in Settings, and enter in “Connect Gmail” in the add-on; each license allows up to 10 linked email addresses. The setup guide is in Emails and in Settings in the application.
See how it works ↓Gmail™ add-on
The add-on is optional and requires an active Equilibrio license. It only sends the email you have open, and only when you tap the button.
Create a code in the application and enter it in “Connect Gmail”. Each license allows up to 10 email addresses.
In Gmail
In the bank notification, tap “Send to Equilibrio”. Nothing is saved yet.
In Gmail
A card with what was understood appears in the application. You register it, edit it or discard it.
In Equilibrio
You decide what is sent. The email text passes through a server only to reach your application, and nothing is registered until you review it.
Install the Gmail™ add-onThe application currently understands formats from several Costa Rican banks. It also has a generic reader that identifies data by name and format rather than the sending bank, so it can also read notifications from unfamiliar banks, in Spanish or English.
When it cannot read something with confidence, it leaves the field empty and tells you. It never fills in a guessed amount.
Walkthrough
Each Equilibrio screen and what you can do with it.
The first screen answers one question: how much is available in the current period. Below it, five cards take you to the rest.
Separated into overdue, pending, already paid and upcoming, with each expense's date and estimated amount. From here you record a payment, even in advance, mark an expense as already paid, edit it or archive one that no longer applies.
Two tabs on one screen. Accounts with balances by currency, and people with what you owe them or they owe you.
Grouped by period and day, with search and date filters. Every transaction can be edited or deleted.
To record a transaction, open the selector, choose what happened and complete the corresponding form.
Four charts: income versus expenses, fixed versus leisure spending, the breakdown by account, and how your available balance changes.
When you use the add-on, emails you send with “Send to Equilibrio” wait here. Each one shows a card with the recognized details: you record it from there, with a warning if you already recorded an identical one, complete it in Log, or discard it. It is optional: the application works fully without it.
Language, eight themes and five classic colors, period grouping, currencies, the license, the Gmail link, encrypted backups and important information in full screen.
Your data
The accounts, transactions, balances, budgets and people you record are stored on your device. No server can read those records.
Backup in Equilibrio is optional: if you turn it on, a copy encrypted with your password is stored on the Equilibrio server, which cannot read it. Export backups regularly or use Backup in Equilibrio: if you lose your device or its data is erased, you need a backup and its password to recover your records.
Activation sends your key and a random code generated by your browser to recognize the activation, without creating a device fingerprint. The server also records your IP address to limit abusive attempts.
If you use the Gmail add-on, linking it makes the server store a mailbox record (your Google account and your email address) associated with your license; afterwards, each time you choose an email its text is sent. The text may include amounts and other bank notification data. The queued copy is deleted when the application confirms it saved or discarded it, and after 7 days if nobody retrieves it; after that only a content-free mark remains, for up to 15 days. Your email address is deleted when you revoke the linking or it expires after 90 days without activity; your mailbox identifier is kept as a security record, and the key is part of the license records. Details are in the privacy policy.
Need help with the app, your license or your data?
Contact supportWould you like to get an Equilibrio license? Request one by email to arrange the purchase.
Request a licenseThe official communication channel for Equilibrio is [email protected].
