iOS App — 100% Free. No trial. No credit card.

Know what you
can cut.

Log spending across 4 simple quadrants and instantly see how much of it is completely avoidable.

Download on the App Store
Quatro home screen
Quatro app
Quatro transactions

The idea

4 quadrants. One number that matters.

Every expense fits into one of four patterns. Two you can't avoid. Two you choose every time.

Q1 · Need it
Committed
Rent, insurance. No choice here.
Q2 · Need it
Needs
Groceries, petrol. How much varies.
Q3 · Could skip
Recurring
Subscriptions, gym. You keep choosing this.
Q4 · Could skip
One-off
Coffees, impulse buys. Completely avoidable.
Q3 + Q4 = Cuttable — always visible, always free.

The app

Built for people who
don't track finances.

Committed
Committed
Needs
Needs
Recurring
Recurring
One-off
One-off

100% free.
Forever.

Every core feature — quadrant tracking, Cuttable total, period navigation, multi-device sync — is free. No trial. No expiry. No catch.

Quatro+ — for the serious ones
📈
Insights
A full year of your spending at a glance. 12-month chart you can tap into. Could-skip vs total. Top categories ranked. The kind of clarity that makes you want to change something.
QUATRO+
🗂️
Transactions
Your full spending history in one place. Search, filter by quadrant, jump to any period. Everything you've logged, instantly at hand.
QUATRO+
🔲
Widgets
Your Cuttable number on your home screen, always current. Small for a quick glance. Medium showing 4 periods side by side — feel the trend without opening the app.
QUATRO+
📤
Export
Download your transactions as a CSV and take them anywhere — a spreadsheet, your accountant, wherever you need them.
QUATRO+

Get the app

Start in under
a minute.

Free to download. No bank connection required.
Works on day one.

Download on the App Store

Free forever. No credit card.