Run your money like a CFO .

Assetra is short for “Asset Radar & Analytics.” It is designed as your personal financial radar for income, expenses, assets, and recurring payments.

No. The trial is free, does not renew automatically, and creates no charge. If you want to continue, you can purchase lifetime access separately with one payment.

No. There is no monthly or annual subscription. After the free trial, Assetra offers lifetime access with a single purchase.

An income or expense set to automatic is marked complete when its date arrives. For manual items, Assetra reminds you as the date approaches and keeps the item open until you confirm it.

Assetra is designed as an annual planning and month-end results tool, not a daily transaction ledger. Plan recurring income and expenses once, then close grouped spending such as a card statement with a single month-end entry. This keeps the focus on plan versus actual, cash flow, and changes in wealth instead of receipt logging. Important one-off expenses can still be planned separately.

You can add any expense as a separate item. For example, record a holiday payment in the Travel category. If you paid by card, select “Paid by credit card” and also record the full card statement total. The holiday expense is then counted only once and shown separately under Travel in the “Where Your Money Goes” chart.

Yes. You choose the level of detail. For example, you can combine your subscriptions into one expense item instead of entering each separately. If you pay by credit card, recording just the statement totals is enough; you do not need to enter every purchase within them. You can still track total expenses, but spending you do not enter separately will not appear in its own chart category. Do not add subscriptions already included in a card statement as separate cash expenses, as that would count them twice.

Expenses marked “Paid by credit card” do not appear separately in the payment calendar. They are included in your card statement, so you do not need to set aside cash on the purchase date. Record the card statement as a separate expense item to track its payment amount and date. This places the cash requirement on the statement payment date rather than the purchase date.

No. This only changes tracking in Assetra: past records stay intact and future subscription entries are removed. You must cancel the real subscription separately with the service provider.

No. It does not connect to banks, import transactions, or move money.

No. Budget entries describe your plan; they do not transfer money to bank or asset accounts. You update actual balances yourself in Assets or during month-end close. Money you have saved in those accounts is already included in their balances, so you do not need to add the savings amount again. Assetra uses the closing balances to show how much of the change in your wealth came from savings and how much came from changes in asset value.

No. Budget surplus is the difference between the income and expenses you entered; it is not your bank balance. To see your actual accumulated wealth and changes in asset value, also update your balances in Assets.

Your budget, payment, and asset records are stored on your device. iCloud sync between iPhone and iPad is optional (iOS only, turned on in Settings). Assetra does not require an account or send your financial records to an Assetra server.

Yes. You can create monthly or annual results as a summary or detailed PDF, then save or share the file wherever you choose.

Yes. Edit any month in the Annual Matrix or apply a change, such as a pay raise, to every remaining month in one step.

At month-end close, you can replace an estimated amount with the actual amount. For example, if your card statement is higher than expected, enter the real statement total. You can then see the difference between your plan and the actual result.

No. In Settings → Year Rollover (Copy Template), you can copy the past year’s budget into the new year with an increase rate based on your expected inflation. Then make small adjustments to income and expenses to plan how much you could save in the year ahead. The previous year’s records stay unchanged; subscriptions carry over at their current prices.

Yes. The iPad version uses the wider workspace to bring annual planning, reports, and the 12-month matrix together.

Yes. Assetra for Android is available on Google Play.

Your main currency is selected during setup and cannot be changed later. You can still review wealth in $, €, ₺, or grams of gold.

First export a JSON backup from Settings and restore it on the new device. Android-to-Android and iOS-to-Android transfers use JSON backups. iCloud sync between iPhone and iPad is optional (iOS only, turned on in Settings).

If you have a backup stored outside your phone, you can restore it on a new device. Export a backup from Settings and save it somewhere secure that you can access without your phone, such as iCloud Drive. Automatic backups stored only on the device are not enough on their own if the phone is lost.