For freelancers and founders
Clear finances for freelancers and founders. Track accounts, transactions, and your salary in the currency you earn and live in, with live rates. No mixing. Nobody moves your money.
Email or Google. Not a bank: a ledger.
Net worth
$ 3,03M
Consolidated · live rates
Personal
$ 842.300
USD · MXN
Business
$ 2,18M
USD · USDT
Trend · 6 months
Inflows, outflows, and margin · Business
Where money goes
Top categories · August
Cash margin +5 pp vs. July
Income up, expenses under control. Software is still the largest outflow.
Same logic as Analysis Pro
The usual mess
Lunch, taxes, and client payments get mixed. By month end you don't know if the business covers your life or you're living off the invoice.
Fees in USD or USDT, expenses in local currency, a bit in wallets. The spreadsheet becomes an improvised FX desk.
It works for a while. Then you miss categories, the salary you paid yourself, and a clear Personal vs Business picture.
The product
Personal and Business have their own accounts and transactions. When you want the total, it's there: consolidated net worth at a glance.
Bank, wallet, or crypto — doesn't matter. Pick the currency once and see the real balance, not a monthly summary.
Transfer between your own accounts and it doesn't count as an expense. Your numbers stay clean, without inflated income or outflows.
From Business to Personal. Set a monthly target and see how much you've already withdrawn, with fees and FX when needed.
Income and expenses, fixed vs variable, and the last 6 months' trend — without internal transfers inflating income.
ARS, BRL, MXN, COP, CLP, PEN, UYU, PYG, USD, and USDT use live rates. USDC and DAI are treated 1:1 with the dollar. If a currency has no quote, like the euro, you enter the rate.
All your transactions to CSV, filtered by account or month. For your accountant, for Excel, for you.
Define a rule once — "Netflix" is Subscriptions — and the next entry categorizes itself.
What Kreza is not: it doesn't move or custody funds, doesn't connect to banks, and isn't a tax advisor. It's a ledger you control.
Who it's for
You get paid fees, sometimes in dollars or USDT, and live in local currency. You want to know what's left after taxes, tools, and the coffee from meetings.
You separate what you earn from work from what you spend to live, and pay yourself a salary when the month allows. You see if fees cover your life, not just the client invoice. When your accountant asks for everything, you export the month in one click.
You have fixed costs, variable costs, and a margin you want to see month to month. The business isn't your paycheck account: you take a deliberate withdrawal.
Analysis shows whether the month closed, which category ate the cash, and how much you've already withdrawn against the target.
Questions
An app to track finances if you get paid on your own: freelancer or founder. You log accounts, income, and expenses, and see whether what you bill covers living. Not a bank: it doesn't custody or move your money.
No. It doesn't open bank accounts, connect to banks or wallets, or execute payments. What you see is a ledger of what you enter.
You can log LatAm currencies, dollars, euros, and stablecoins. Live rates cover ARS, BRL, MXN, COP, CLP, PEN, UYU, PYG, USD, and USDT. USDC and DAI are 1:1 with the dollar. If there's no automatic rate, you enter the FX yourself.
Yes. You keep living costs and work/business income apart, and you can log when you pay yourself. You see each side clearly, and the total too.
No. It isn't a tax advisor and doesn't use AI to categorize. You build categories yourself; analysis shows income, expenses, fixed vs variable, and how you're doing month to month.
There's a free Starter plan, no time limit and no card: spaces, consolidated view, live rates, and Pay yourself. Pro (USD 7/mo or USD 59/yr) adds unlimited history, analysis, rules and accounts, recurrings, and exports. You can try Pro for 14 days; a card is required and nothing is charged until the trial ends.
Yes. You get a 14-day guarantee from the charge, no questions asked. Email contact.kreza@gmail.com with your account email and Paddle order number. Details are on /refunds. If you cancel during the trial, there's no charge.
Yes. From Transactions you export to CSV, filtered by account or month. Starter has 1 export per month; Pro is unlimited. It's yours: take it whenever you want.
Pricing
Both spaces, consolidated view, and Pay yourself stay free forever. Pro adds history, analysis, and automation.
Starter
Free, no time limit, no card.
$0
forever
Pro
14-day trialContinuity, analysis, and automation.
USD 7
per month · or USD 59 / year
The trial asks for a card and charges nothing until day 14. Local price is calculated by Paddle for your country. Refund policy.