Record it. Count it. Reflect. Correct.
How it works → Get early access Start the demo
Effectivo is built for two kinds of people. Find yourself below.
You rarely or never use a bank. Cash is how your life works, and there has never been a simple way to see where it goes.
A frozen account, an outage or a cyberattack can leave you unable to buy food. Cash keeps working.
The catch: cash is a pain to track. Your bank logs every payment. Effectivo does that for your cash, so you stay in touch with what you spend.
Much of the world still runs on cash
No rigid bookkeeping. Don't be penny-wise and pound-foolish. A rough record that shows where the pounds go beats a perfect one you quit.
Round it off. Skip the details. Start.
Tap. Type an amount. Pick a category. Seconds, and your head feels lighter.
Count My Cash checks it against your last count and shows you the difference. Then record what you spent and received, if any. The rest is Can't Remember. No guilt. A matching count feels great.
Judge each purchase: worth it or not? Over weeks and months, fix the bad habits. More cash for what makes you happy. Less worry.
A made-up year of cash, ready to explore. Spend, receive, count and look back. No sign-up.
Nothing is saved or sent. When you leave, it's gone.
Open it full screen
Private beta on Android and iPhone. Takes two minutes.
Email for iPhone Email for Android Android, already added: open Google Play
Android: the Google Play link works once I’ve added you. iPhone: your invite arrives by email from TestFlight.
Numbers match? Great. They don't? Shrug it off. Every count makes the next one easier.
Your balance as a pile of real notes. Swipe to see it in gold, silver, bitcoin or ether.
Bonus: you learn as you goThe longer you use Effectivo, the better you understand your spending and money in general. Short, gentle lessons arrive one at a time, as you use the app. No courses. No quizzes. No lectures.
Round and round, gently. Every lap feels a little freer.
Money starts to make sense in plain words, a little at a time, while you do something you were doing anyway.
What you learn lines up with your own spending, so it sticks. You start noticing things you used to skip past.
You ask better questions about prices, banks and your own choices. Understanding builds quietly, week after week.
Understand money, and no one else has to run yours.
Whole numbers. Nothing locked. Edit anything.
Big buttons. Short category list.
No ads. No data sales. No analytics.
A gap isn't failure. It's information.
English and Spanish.
Short, no-lecture notes on how money works.
Coming soon to Android and iOS. Feel calmer about your cash.