No subscription, ever
Free to download and free to keep your books. The guidance layer unlocks with one payment of €4.99 — no renewals, no monthly surprises. Less than a single month of the others.
iPhone finance app · Private by design
Your money in order. No subscription.
COOPER is the app you buy once and own forever. Track, budget and climb the savings Ladder — all on your iPhone, no account and no bank connection.
Free download100% offlineFace IDData Not Collected
Dashboard
Money left · July
0.00 €
Budget 68%On track
Income
2,100 €
Expenses
860 €
Spending breakdown
HomeGroceriesFunOther
Why COOPER
The exact gap the rest of the market doesn't fill.
Radical privacy
Everything lives on your iPhone: no account, no sign-up, no bank connection. On the App Store it reads “Data Not Collected”. Your data never travels to a server.
A real method
The Ladder tells you your next step with money: cushion → debts → fund → future → goals. Other apps just log expenses.
Made in two languages
Native English and Spanish — method and copy, not a machine translation. Spanish conventions built in for the market it was born in.
How it works
From tracking expenses to having a plan, in three steps.
Track
Log income, expenses and savings in seconds. Mark the fixed ones so they repeat themselves and set a budget per category.
See
The Dashboard shows your Money left, budget vs. actual and your spending breakdown. By day, week or month.
Climb the Ladder
COOPER turns your numbers into a plan: you know which level you're on and what to do next to build peace of mind.
Tools
Everything you need to take control.
Every tool explained in detail — and how to use it well.
Log
MonthWeekDay
Today · 12 Jul
Salary
Income · Salary
+2,100.00 €
Rent
Fixed · Home
−650.00 €
Weekly shop
Variable · Groceries
−72.30 €
Electricity
Fixed · Home
−41.90 €
+
Add movement
Income · Expense · Savings
The Log
Log every movement in seconds
The journal of your money. Every income, expense or saving is one line. It's the single source of truth: everything else is calculated from here.
- 1Tap the + button in the bar to open the form.
- 2Pick the type: Income, Expense or Savings — the categories change with the type.
- 3Enter the amount and note; the date uses a DD/MM/YYYY mask.
- 4Mark it “Fixed” if it repeats monthly, and “Paid” or leave it pending.
Income · Expense · SavingsFixed items that repeatPaid / PendingDay separators
Dashboard
Money left · July
1,240.50 €
Budget 68%On track
Income
2,100 €
Expenses
860 €
Spending breakdown
HomeGroceriesFunOther
Dashboard
Your whole month at a glance
The headline number is Money left = Income − Expenses − Savings. Below it: budget vs. actual, breakdown by category and the monthly close. Switch it to day, week or month.
- 1Pick the month in the top carousel or open the calendar to jump to a date.
- 2Change the period: Day, Week or Month depending on what you want to review.
- 3Check your Money left and the budget-used bar.
- 4Scroll to the Monthly check: pending payments and categories over budget.
Money leftBudget vs. actualSpending breakdownDay · Week · MonthMonthly checkSecondary currency
Converter
🇪🇺 EUR
100.00
⇅
🇺🇸 USD
108.40
Exchange rate
1 EUR = 1.0840 USD
Saved on your iPhone · works offline
EURUSDGBPNOKMXNCHF
Currency converter
Convert currencies offline
Convert between currencies with the last exchange rate saved on your iPhone. Works on the plane, on the metro or with no signal: the rates travel with you.
- 1Open the converter from the Dashboard.
- 2Pick the source currency and the target currency.
- 3Type the amount and see the conversion instantly.
- 4Set your secondary currency to see it on the Dashboard too.
Multiple currenciesEUR · USD · GBP · NOK…Rates saved offline
Settings
Lock with Face ID
Backup
Secondary currencyUSD
ThemeAutomatic
Daily reminder
Data Not Collected
Nothing leaves your iPhone.
Settings & security
Your app, your rules, your data
Protect COOPER with Face ID, make backups only you control, turn on reminders and choose theme and language. None of it leaves your device.
- 1Turn on Face ID lock so only you get in.
- 2Export a backup and store it wherever you like; restore it whenever you need.
- 3Schedule a daily reminder so you never forget to log.
- 4Switch the theme (light / dark / automatic) and language (English / Spanish).
Lock with Face IDExport / RestoreDaily reminderTheme & languageData Not Collected
The savings Ladder
The method that tells you what to do with your money, now.
Five levels, one at a time. COOPER knows which one you're on from your own numbers and points you to the next step. Tap a level to see it.
Level 3
Emergency fund
3 to 6 months of your expenses, to take a big hit without going into debt: losing your job, a forced move, a sick leave.
In COOPER: It works out the target from your real expenses in the Log and tracks your progress month by month.
Debt register
Log each debt with its balance and interest. COOPER projects the payoff date and prioritises the most expensive ones, tied into level 2 of the Ladder.
Personal goals
Create savings goals with a target and money set aside. The envelope model splits your savings without touching the Log, with a progress bar per goal.
Design
Beautiful in the dark. And in the light.
Giant rounded numbers, soft cards and a single orange accent. OLED dark mode is the star; light is editorial cream. It adapts to your iPhone or you choose.
Dashboard
Money left · July
1,240.50 €
Budget 68%On track
Income
2,100 €
Expenses
860 €
Spending breakdown
HomeGroceriesFunOther
Privacy
Your data never leaves your iPhone.
Most finance apps live off your data. COOPER lives off you paying once. That's why it doesn't even need to see your bank.
Data Not Collected
App Store privacy · No data collected
No account, no sign-up
Open the app and start. No email, no password, no profile.
No bank connection
COOPER never asks for access to your accounts. You log; nobody snoops.
Everything on device
Your movements live on your iPhone, not on a server. Truly offline-first.
Lock with Face ID
Protect the app with your face. Only you reach your finances.
You control your backups
Export and import your data whenever you want. It's yours, not ours.
“Data Not Collected”
That's the privacy label we declare on the App Store. Zero collection.
Pricing
Free to keep books. Once for the guidance.
Download COOPER and track your money for free, with no account and no ads. The layer that guides you unlocks with a single payment — never a subscription.
Free download
Free
No account, no trial countdown, no ads. Your books and your month stay free forever.
Coming soon to theApp StoreSoon- Unlimited logging of income, expenses and savings
- Monthly Dashboard: money left, totals, manual budget vs. actual
- Monthly summary carousel and expense split
- Small iOS widget
- Face ID lock, themes, languages and full backup export
COOPER Pro · one-time
€4.99
Paid once, yours for good — Family Sharing included, and every future v1 update.
- The full savings Ladder, with debts and the Monthly check
- Automatic 50/30/20 budgets
- Personal savings goals
- Accumulated balance and day / week views
- Currency converter and secondary currency
- Large and lock-screen widgets
The maths that add up
COOPER Pro€4.99 · once
Typical subscription app≈ €120 / year
One single month of a €10/month subscription already costs twice as much as all of COOPER. Over the first year, twenty-four times more. And COOPER is still yours the second year, and the third.
Your voice counts
What's missing from COOPER?
COOPER is built by one person, and improved by what you ask for. Tell me which tool you'd like, what you'd change or what you loved.
- It goes straight to my inbox.
- No account, no spam, no sharing your email.
- I read them all. The best ones make it into the app.
Coming soon to the App Store
Get your money in order. For good.
COOPER is coming to iPhone soon. Leave your email and be among the first to know on launch day.