Alto
iPhone / Finance
Alto is a private, on-device finance tracker built around standard cost variance analysis. Instead of only recording what was spent, Alto lets you define a practical standard cost for recurring categories, record actual costs, and review the difference between expected and actual activity.
Use Alto to build a local standard cost library, capture actual cost events, mark variance reasons, review favorable and adverse variance, and adjust standards when your real pattern changes. The app includes charts for actual versus standard trends, reason mix, and adverse variance ranking, with direct actions for each category.
Key Features
- Standard cost setup for recurring categories
- Actual cost records with reason notes
- Single-record and monthly variance analysis
- Favorable and adverse variance labels
- Fixed and floating standard types
- Standard adjustment history
- Local charts for trends, reason mix, and variance ranking
- Actions to adjust standards, mark causes, set next-month targets, or exclude abnormal records
- Sample data for onboarding, with one-tap sample deletion
- Local single-device storage.
