Your position, on one screen
Your family’s finances, with one clear answer: what the next dollar should do.
Cifraapp brings together your household’s accounts, bills, debts and goals, works out what is actually left, and builds a plan of action every month. A family finance app made for Panama.
Free with up to 250 movements a month · No bank connection · Export everything, any time
Available to spend
$0.00
of $4,180.00 in accounts, with $2,135.00 already committed
- Buffer minimum$800.00
- Current surface$2,045.00
Buffer minimum
What claims that money
Demonstration · Example figures, consistent with each other. None belong to a real person.
What it does
Everything it does for your family
Six things done today in your head, on a sheet, or not at all. Demonstration figures, consistent with each other.
A plan of action every month, line by line
When the salary lands, the plan says where every dollar goes and in what order: overdue, due soon, minimums, tax reserve, buffer, expensive debt, goals. If you disagree with the order, you change it.
A $2,600.00 salary on the 15th, allocated
| Line | Why it is here | Amount |
|---|---|---|
| 1Rent | Due on the 1st · essential | 1,200.00 US dollars |
| 2Card, minimum payment | Avoids late fees and extra interest | 185.00 US dollars |
| 3Electricity | Due on the 14th | 142.00 US dollars |
| 4Estimated tax reserve | It was never yours | 608.00 US dollars |
| 5Card, extra payment | The most expensive debt | 300.00 US dollars |
| 6Emergency fund | What remains goes to the first goal | 165.00 US dollars |
| The whole salary has a destination | 2,600.00 US dollars |
Get out of debt with the strategy that saves the most
Compare avalanche against snowball with your real debts, and see in how many months you are free and how much interest you save.
With $300.00 extra a month: 10 months sooner and $667.41 less interest than paying minimums only.
Three debts, $300.00 extra a month
| Strategy | Free in | Total interest |
|---|---|---|
| Avalanche · most expensive first | 14 months | 734.66 US dollars |
| Snowball · smallest first | 14 months | 845.73 US dollars |
| Minimums only | 24 months | 1,402.07 US dollars |
Ask in your own words and get an answer with your figures
The assistant knows your case and answers with the numbers in your records. It rejects any answer that mentions a figure that did not come from there.
A conversation
Can I pay off the card in full this month?
Not without dipping below the buffer. You have $1,245.00 available and the card owes $1,850.00. If you pay the $185.00 minimum and add $300.00, you stay above the buffer and the card drops to $1,365.00.
Upload the statement and duplicate nothing
PDF, CSV, XLSX or OFX, as your bank hands it over. Every movement gets a fingerprint: upload the same file twice and the second does not go in. Transfers between your own accounts do not count as spending.
Four lines of a statement, imported
| Movement | Amount | What happened |
|---|---|---|
| CARD PAYMENT | -185.00 US dollars | Transfer · not spending |
| SUPER 99 VIA ESPAÑA | -86.40 US dollars | GroceriesHigh confidence |
| UBER *TRIP | -6.75 US dollars | TransportHigh confidence |
| SUPER 99 VIA ESPAÑA | -86.40 US dollars | Already there · skipped |
If you are self-employed, the tax reserve sets itself aside
Every income sets aside the percentage you choose, from the day it arrives. It is called an estimate because it is one: your accountant has the last word, and it is always named that way here.
One invoice, collected
| Invoice collected | 1,800.00 US dollars |
| Estimated tax reserve12% · a rate you set | -216.00 US dollars |
| What is actually yours | 1,584.00 US dollars |
Goals with a number: how much to set aside each month
For every goal, how much you would have to save a month, and what changes if you take on more risk. Modelled with assumptions you can edit. We do not tell you what to invest in: that is regulated advice, and we do not give it.
A $12,000.00 goal in 48 months, with $1,000.00 already saved
| Risk level | Per month |
|---|---|
| Cash | 218.73 US dollars |
| Conservative | 208.40 US dollars |
| Balanced | 198.35 US dollars |
| Growth | 188.57 US dollars |
What this product refuses to do
Almost everything below is a decision not to do something that would have been easier.
It never imports the same transaction twice
Every movement has a fingerprint computed from the account, the date, the amount and the normalized description. Upload the same statement again and nothing happens.
Your card payment does not count as spending
Moving money between your own accounts is not spending. Counting it would double every purchase already on the card and make a disciplined month look like a disaster.
AI never decides a balance
It explains and classifies; it does not compute. Every figure comes from your records, and the system rejects any answer that mentions a number we did not give it.
We never say “your tax”
We say estimated tax reserve, with the version of the rules that produced it. Panama’s rules live in the database, with their source, and are not shown until somebody qualified has reviewed them.
Try it
Try it now with your numbers
No account and nothing saved. Enter what you have and what you must pay this month, and see what is actually left.
Power, water, internet, school, insurance.
Actually available
of $4,180.00 in accounts, with $2,135.00 already committed and a $800.00 buffer
- Buffer$800.00
- Available$2,045.00
The order it gets covered in
- 1Rent or mortgage1,200.00 US dollarsCovered
- 2Card and loan minimums185.00 US dollarsCovered
- 3Other payments this month750.00 US dollarsCovered
- 4Buffer you will not touch800.00 US dollarsCovered
- 5Free for expensive debt and goals1,245.00 US dollars
Who it is for
Who it is for
The same engine, three different situations.
Plans
Plans
A free plan that is genuinely useful. Prices and limits come from the database: they are the same ones the product enforces.
Pro
$29.99 / month
- 2 people
- Unlimited imports
- 1000 assistant queries a month
- Tax module for the self-employed
Family
$39.99 / month
- 6 people
- Unlimited imports
- 1500 assistant queries a month
- Tax module for the self-employed
These figures are provisional: final pricing is not decided and this is not an offer.
Compare every limitQuestions
Frequently asked questions
Not yet. Today you import a statement as CSV or OFX, and the system makes sure uploading the same file twice duplicates nothing.
Your family deserves to know what to do with its money, not just how much it has.
Start for free, with this month’s numbers. If you ever leave, you take everything with you.