Personal finance
Ahorreo turns the statements you already download from your bank into one clear picture: what you earn, what you spend, on what, and what you really own. Everything runs in your browser, with no server, no account and no telemetry.
€124,000 €66,000
Example figures. A 50% joint account doesn't count in full towards your net worth, and neither does half a mortgage.
If your money is spread across more than one bank, investment account or pension plan, each one only shows you its own slice. The apps that join them up ask for your bank credentials and copy your transactions to their servers. A spreadsheet works until month three. And summing everything at 100% overstates what is yours as soon as an account, a home or a loan is shared.
We wanted the full picture without any of that, so Ahorreo works from the files banks already let you download, keeps them on your device, and counts only your share of what you own with someone else.
Ahorreo isn't private because of a policy page — it's private because there is nowhere for your data to go. Open your browser's network tab while you use it, or put your device in airplane mode: everything keeps working except the optional fetch of ECB rates, which is off by default.
.ahorreo file you control, with reminders so you never lose your history.Five sections — Summary, Wealth, Reports, Plans and Settings — and every number comes with the base it's computed on.
CSV and XLS/XLSX statements. Ahorreo recognises many banks' formats automatically, and for anything it doesn't, you map the columns once by hand. Every import is previewed before it lands — how many rows enter, which are skipped and why — and can be undone in full.
A fixed cascade: your own rules first, then the category in the bank's file, a merchant catalogue and similarity to what you've already classified. Every transaction records whether its category came from you, a rule, the catalogue or similarity, and your corrections are never overwritten.
Moving money between your own accounts isn't spending, so internal transfers are detected and kept out of your totals. Refunds are paired with the charge they undo, so the month of the purchase goes back to zero.
Ownership is a percentage per account, property or loan. A joint account at 50% doesn't count in full towards your net worth, and every screen says whether it's showing the household or your share.
Dated valuations, an amortization schedule computed — and, if you import the statement, read — plus rate reviews, early repayments and three Euribor scenarios side by side. Only the interest is an expense; the capital just changes place. To try the numbers without importing anything, use the mortgage calculator, built on the same formulas.
Positions at average cost, buys, sells, transfers and income, prices on a single screen, and returns shown with the base they're computed on. Broker cash is kept apart from what the positions are worth.
Read a text PDF payslip or enter it by hand. Contributions are checked against their base, gross against net, and the net pay against the deposit in your bank. Identity data is discarded on read and the PDF is never stored.
Per-category budgets with a traffic light through the month and rollover of what you didn't spend, a proposal built from your own history, savings goals that can track an account, and detected subscriptions with their yearly cost.
Income and spending over time, net worth broken down, savings rate, category composition and period comparisons. Every chart comes with its table and a CSV export: a figure you can't open is a figure you can't check.
Ahorreo is useful from the very first file. No set-up wizard to finish before you see a number.
Export the CSV or Excel file your bank already offers from its website or app. No credentials, no connections, no third party in between.
Each statement goes onto the account or loan it belongs to. Ahorreo detects the bank and format and shows a preview: rows in, rows skipped and why, currency and target account. The opening balance is derived from the statement itself — you don't type it in.
Duplicates are caught even when you upload the same file twice — and genuine twin charges can be readmitted one by one. Transfers between your accounts are matched, refunds are paired, and each transaction gets a category you can trace back to its source.
See income, spending, savings rate and net worth over time, switch between the household and your share, and open any chart as a table or CSV. Report state lives in the URL, so a view you're looking at can be bookmarked.
Save an encrypted .ahorreo backup, or link a live file that saves itself. Inside a folder you already sync, it follows you to your other devices without the app ever going online.
An hórreo is the raised granary of Galicia and Asturias, where the harvest was stored to last the winter. It stands on stone pillars topped with flat slabs so that rats can't climb in.
Keep what you've gathered, and protect it: that's exactly what Ahorreo does with your money. And where a real hórreo carries a cross on its ridge, ours carries a euro.
What Ahorreo doesn't do, so you can decide before you start.
No. Files are parsed in your browser and stored in your browser's IndexedDB. Ahorreo has no backend to send them to. You can check it yourself: open your browser's network tab while you import, or switch your device to airplane mode — the app keeps working.
Ahorreo reads the CSV and Excel statements of many banks automatically, detecting the bank and the file format on its own. If yours isn't recognised, you map its columns by hand — date, description, amount, balance — and import it all the same, whatever the encoding or decimal separator.
Nothing is duplicated. Ahorreo uses the bank's own transaction ID when the file has one, and a stable fingerprint when it doesn't. Likely duplicates are set aside rather than deleted, so two genuine identical charges on the same day can be readmitted one by one. Every import can also be undone in full.
No, and it never asks for your bank credentials. Open-banking connections require a server and a licence, which would contradict the whole point. You download the statement from your bank and drop it into the account it belongs to.
Only one kind, and it's off by default: fetching public Euribor and exchange-rate tables from the European Central Bank, and only when you click to do so. Nothing about you is sent. The production Content Security Policy blocks every other destination.
Without a cloud, losing data is the main risk, so Ahorreo is insistent about backups: a password-encrypted .ahorreo file you can restore anywhere. You can also link a live file on disk that saves itself as you work.
Yes, through your own files. On browsers that can save to a live file, put the .ahorreo file in a folder you already sync (iCloud Drive, Dropbox, a network share…) and it reaches your other devices without the app making a single request. The file records who wrote it last, so Ahorreo warns you instead of silently overwriting.
There are no user accounts to share. Instead, joint accounts, homes and loans carry an ownership percentage, and a household / my share switch lets you see either view. A shared pot shows who put in how much and what was paid from it.
No. It shows you your own numbers, with the base each figure is computed on. It reads the tax withheld on your payslip but never calculates what should be withheld, and it doesn't make investment recommendations.
The interface is available in English, Spanish and Catalan, with language and currency picked up from your browser. It's an installable PWA that works offline on desktop and mobile, with light and dark themes.
How Ahorreo categorises every imported transaction with a fixed order of rules on your device, says who decided each one, and never undoes your corrections.
A privacy policy is a promise. A Content Security Policy, an automated network test and an opt-in switch are enforcement. How Ahorreo makes 'your data never leaves your device' something you can verify.
A salary paid on March 1st belongs to February, and a card purchase on March 28th is March spending even if it's charged in April. How Ahorreo separates the bank's date from the month a transaction belongs to.
A joint account at 50% shouldn't count in full towards your net worth. How Ahorreo models ownership as a percentage on accounts, homes and mortgages — and why every figure needs to say which base it's on.
Open Ahorreo, drop in one statement, and see your month in a couple of minutes. Install it as an app and it works offline.