Make the plan at home hold up at the market.
The Turkish proverb says plans made at home never match the market. Kartopu carries today’s numbers forward and shows which month you could reach your goal.
Savings at the bank, gold in a drawer, credit card debt… Roll it all into one snowball, then try your future with different scenarios.
a small ball Market
basket adds up Realtor
price adds up Your dream
plan adds up
- No ads, ever
- Use it without an account
- Your data stays on your device
- Works offline
A snowball grows as it rolls. So do savings.
Each small amount you add grows together with last month’s return. You barely notice at first; a few years on, the ball is far bigger than what you put in. Kartopu shows you that growth month by month.
“A small ball today, a big one tomorrow.”
Example scenario: ₺10,000 a month, 35% yearly return assumed, compounded monthly. Nominal amounts; a scenario, not a guarantee.
₺100,000 in today’s money. Assumption: 30% inflation every year.
A snowball left aside melts.
Saving through high inflation is more than growing the ball: it is growing it faster than it melts. Kartopu shows two numbers together: the future amount and what it is worth in today’s money.
The price the realtor quotes today won’t stand still either. Kartopu moves your goal’s price forward with its own growth assumption.
Your money is in six places. Nobody knows the total.
Some at the bank, some in an investment app, a little gold in a drawer, a little lent to a friend. Kartopu rolls it all into one snowball: what you really have, in one number, for the first time.
₺420,000
50 grams
₺180,000
$2,000
₺20,000
− ₺35,000
- 1
Gather
Add your assets, income, expenses, debts and receivables. Start small, fill in over time.
- 2
Aim
A home, a car, a trip. Enter today’s price; we carry it forward.
- 3
Try
“What if my raise is 15%?” “What if I save 5k more a month?” See scenarios side by side; your real records never change.
What do you want to achieve?
Pick a goal, enter its price, play with the assumptions. A small taste of the app’s simulation.
This is a scenario, not a certain result or investment advice. In the app it uses your own income, expenses and debts, with rates that can change year by year.
Try it with your own numbersNeed a quick answer to one question?
- Home buying calculator Which month will you have the down payment and costs?
- Compound interest calculator What does your monthly saving become over the years?
- Purchasing power calculator How much does inflation melt your money?
- Loan payment calculator What is the monthly payment and total interest?
- Rent vs buy calculator Keep renting and save, or buy with a mortgage?
- Emergency fund calculator How many months of expenses, and when will you have it?
- Real return calculator What did you really earn after inflation?
- Credit card minimum payment calculator Paying only the minimum, when is the card paid off?
Not an expense log. A map of your future.
Every dream has its own snowball.
Home, car, wedding, holiday. Each goal’s price today, its estimated price tomorrow and a ball that grows at the tip: see how far you’ve come at a glance.
“If home prices rise 28%, when do I catch up?” The answer is here.
One goal, three futures.
Optimistic, base, pessimistic. Decide how your raises, inflation and returns change year by year; see which one gets there when.
No more “where did the money go?” at month’s end.
See all your records and how they changed, month by month: how much your snowball grew, which record changed when, where your net worth went. Each period ends with a plain summary.
- Income
- + ₺85,000
- Expenses
- − ₺52,000
- Value change
- + ₺17,000
Where your money is, at a glance.
Time deposits, gold, foreign currency, bank accounts, income, expenses, debts and receivables. Add them all and see the breakdown; gold and currencies are valued at current prices.
- What
- Laptop
- Amount
- ₺30,000
- Period
- October 2026
Skip the forms. Just tell Karto.
Write what you want in your own words. Karto understands, asks for what’s missing, prepares a draft and works out the effect; nothing changes until you say “apply”. It runs entirely on your device: what you type goes nowhere, and no internet is needed.
Your money. Your data.
Kartopu doesn’t make money from ads or sell your data. Kartopu has no server: your salary, debts and savings stay on your phone only. Use it without an account, even offline.
Read the privacy policy- Zero ads. No banners, no sponsored tips. Only your numbers on screen.
- Your amounts stay put. Your amounts, your name, your records and what you tell Karto are never sent to any server.
- Statistics only with your permission. Usage statistics and crash reports start off. Even when on, they contain no amounts; turn them off any time.
- Your data, always yours. Export it, move to a new phone, or delete everything from Settings → Your data.
Tips for making the numbers add up
- Inflation How to save when inflation is high Nominal vs real return, purchasing power and the rising price of your goal: three ideas that keep your snowball from melting.
- Inflation Gold, currency, deposits: all your assets in one place Why does knowing the total of scattered money matter? How to work out your net worth and value gold and foreign currency properly.
- Debt How many months does credit card debt delay your goal? The hidden cost of the minimum payment: current interest rates, minimum payment rules and what revolving card debt does to a goal.
Frequently asked questions
Is it really free?
Yes. Core features are free and ad-free. Some advanced features added later may be paid; we’ll say so clearly in advance.
Where can I get it?
Kartopu is being prepared for iPhone and Android and will soon be on the App Store, Google Play and Huawei AppGallery. Once it’s published, the buttons on this page will take you straight to the store.
What is Karto, and does it send my data anywhere?
Karto is Kartopu’s conversational assistant. It runs entirely on your device; what you type and your numbers are never sent anywhere. It changes no record without your approval, and simulations never touch your real records.
Is the simulation result certain?
No. It is a scenario based on your assumptions, not investment advice. That’s why we suggest comparing optimistic, base and pessimistic plans side by side.
Where is my data stored?
Only on your own phone, in the app’s own storage. Kartopu has no server and needs no account. On Android your data is not copied to Google backup; when you change phones, you move it with the app’s export.
Do you collect usage statistics?
Only if you allow it. Product analytics and crash reports are two separate permissions, and both start off. If you turn them on, which features are used and the technical details of errors go to servers in the EU (PostHog, Sentry) under a pseudonymous install ID. Your amounts, name and records never do.
How do I delete my data?
Settings → Your data → “Delete my data” erases everything on your phone. If you also want usage statistics sent earlier to be deleted, copy the usage ID in Settings → Privacy before turning the permission off and write to destek@kartopu.app.
This time, make the plan add up.
Free, ad-free, no account needed. Set up your first goal in two minutes.