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. It detects when the same transaction arrives twice and does not record it twice.
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, someone paying you, you paying someone, a credit card payment, moving money between your own accounts, a transfer, a bank finance charge, and each account's opening balance. All can be edited and deleted later.
Expenses that repeat each period, with the option to split them into installments. The application shows what is due in the current period and lets you record payment from there.
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.
Export a file you can import on the same device or another. Backups are always encrypted with a password you choose. Keep it safe: Equilibrio does not store it and cannot recover it for you.
Once installed, while activation remains valid, you can manage accounts and transactions offline. Internet is needed to activate or renew license activation and, if you use it, to receive notifications from the Gmail add-on.
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, with five palettes to choose how it looks.
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. Nothing leaves your phone this way either.
A single tap
With the Gmail add-on installed, open the bank email and send it with one tap. This is the only method in which the email text leaves your device, and only for emails you choose to send.
The 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 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 two groups, with each expense's date and estimated amount. From here, record payment, edit an expense or close 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, recurring versus leisure spending, the breakdown by account, and how your available balance changes.
When you use the add-on, the emails you selected wait here for review and saving. It is optional: the application works fully without it.
Language, five palettes, period grouping, currencies, encrypted backups and important information in full screen.
Your data
The accounts, transactions, balances, budgets and people you record are stored on your device. We do not have a copy of those records on a server.
Export backups regularly: 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, only your chosen email's text and your email address are sent. They may include amounts and other bank notification data. They are stored temporarily until the application confirms receipt; notifications older than seven days are deleted during daily cleanup.
Support
For questions about the application, your license or your data, email [email protected].
To request an Equilibrio license purchase, email [email protected] and let us know you'd like to buy one.