# Daiku

> Daiku is a personal finance app for individuals, couples, and families to track spending, manage budgets, and understand their wealth across accounts and currencies.

Daiku brings everyday expenses and long-term finances into one place, reducing the need to maintain separate spreadsheets. Users can enter transactions manually, import bank statements, or record expenses through WhatsApp and Telegram. Budgets and recurring transactions help explain where money goes and how much remains available to spend.

Investment tracking brings holdings, returns, and asset allocation into a consolidated view. Net worth tracking combines assets and debts. Household sharing helps partners and families manage joint expenses with roles and permissions while keeping personal finances private. Financial independence projections help users explore how income, spending, and savings affect their retirement timeline.

Daiku supports multiple currencies for users managing money internationally, including Uruguayan pesos (UYU), US dollars (USD), and euros (EUR). It also supports Uruguay's Unidad Indexada (UI), an inflation-linked unit of account. The website is available in Spanish, English, and Portuguese, with public tools focused on Uruguay's exchange rates and investment comparisons.

Free, Pro, and Premium plans are available. Feature availability and usage limits depend on the plan; consult the pricing page for current details. Daiku is a financial tracking tool. Its projections are illustrative and do not constitute financial, investment, legal, or tax advice.

## Product and access

- [Daiku overview](https://daiku.app/en): Overview of the app and its capabilities in English.
- [Pricing](https://daiku.app/en/pricing): Current plans, feature limits, billing options, and trial details.
- [Open Daiku](https://my.daiku.app/auth): Sign up or log in to the finance app.
- [Spanish homepage](https://daiku.app/): Product information in Spanish.
- [Portuguese homepage](https://daiku.app/pt): Product information in Portuguese.

## Problems Daiku helps solve

- [Expense tracking](https://daiku.app/en/for/gastos): Understand where money goes by recording expenses, including through WhatsApp and Telegram, with automatic categorization.
- [Budgeting](https://daiku.app/en/for/presupuesto): Plan spending and compare expenses against a budget to see what remains available.
- [Replacing expense spreadsheets](https://daiku.app/en/for/planilla-de-gastos): Bring expense records and budgets into an app instead of maintaining spreadsheet formulas.
- [Subscriptions and recurring expenses](https://daiku.app/en/for/suscripciones): Track recurring commitments and see their monthly and annual costs.
- [Investment tracking](https://daiku.app/en/for/inversiones): Consolidate holdings and monitor portfolio value, returns, and allocation.
- [Net worth](https://daiku.app/en/for/patrimonio): Combine assets and liabilities across currencies to track overall financial progress.
- [Shared household finances](https://daiku.app/en/for/finanzas-en-pareja): Coordinate joint expenses and budgets with a partner or family while retaining personal privacy.
- [Unidad Indexada](https://daiku.app/en/for/unidad-indexada): Understand UI and track finances using Uruguay's inflation-linked unit alongside other currencies.
- [Financial independence](https://daiku.app/en/for/independencia-financiera): Explore how savings and spending affect the projected time until investments can cover living expenses.

## Public website calculators and market data

- [Compound interest calculator](https://daiku.app/en/for/interes-compuesto): Model savings growth with an initial balance, contributions, and an assumed return.
- [Savings goal calculator](https://daiku.app/en/for/ahorro-objetivo): Estimate contributions needed to reach a savings target.
- [50/30/20 budget calculator](https://daiku.app/en/for/regla-50-30-20): Explore splitting income between needs, wants, and savings.
- [Financial independence calculator](https://daiku.app/en/for/independencia-financiera): Explore a retirement projection using personal financial assumptions.
- [Uruguay exchange rates](https://daiku.app/en/cotizaciones): Currency and UI values with source and update information.
- [Stocks measured in Uruguayan pesos](https://daiku.app/en/bolsa-en-pesos): Compare investment performance expressed in UYU.
- [Stocks measured in Unidad Indexada](https://daiku.app/en/bolsa-en-ui): Compare investment performance expressed in inflation-linked UI.

## Optional

- [Changelog](https://daiku.app/en/changelog): Product releases and updates.
- [Blog](https://daiku.app/blog): Financial education articles in Spanish, including topics specific to Uruguay.
- [Privacy policy](https://daiku.app/en/privacy): How Daiku handles personal and financial data.
- [Terms of service](https://daiku.app/en/terms): Service terms and limitations.
- [Refund policy](https://daiku.app/en/refund): Subscription cancellation and refund terms.