# Track your spending in Argentina, in pesos and dollars > Rent in dollars, everything else in pesos: Kesef keeps each in its currency, logs Mercado Pago (Pro) on its own and splits the asado. Free. _By [Gonzalo Nahmías](https://getkesef.app/en/gonzalo-nahmias) · Updated on 2026-10-24_ **13,137 people in Argentina have used Kesef** (number 1 of 132 countries, as of 2026-11-09). **In short:** Kesef is a free iPhone and Android expense tracker made in Argentina. It keeps each expense in the currency you paid, pesos or dollars, and shows the total in the one you choose, converting with the DolarApp rate at the moment you log it. With Kesef Pro, your Mercado Pago payments come in on their own. Living in Argentina usually means two currencies at once: rent or savings in dollars, groceries and bills in pesos, and more than one exchange rate in the news every day. Kesef was built here for exactly that. This page covers how it handles the two currencies, Mercado Pago, installments and shared costs, with the app in English. ## Which dollar rate Kesef uses Argentina has several dollar rates at the same time. Between pesos and dollars, Kesef uses the DolarApp rate, taken from CriptoYa: the midpoint between buy and sell at the moment you log the expense. That rate stays fixed for that expense, so last month doesn't shrink or grow when the dollar moves. > It isn't the official Central Bank rate, and it isn't what your foreign card will charge. Every expense also keeps its original currency, so nothing is lost if you compare with your statement. ## Mercado Pago, logged on its own with Kesef Pro Mercado Pago is how a lot of Argentina pays: QR codes at the grocery store, transfers to your landlord, purchases online. With Kesef Pro you connect your account once and those movements come in with the merchant and a suggested category. Kesef can't pay or move your money, and an installment purchase made through Mercado Pago arrives as one movement for the total. ## Cash, installments and the asado Cash is still everywhere, from the corner store to the plumber, and no app sees it. In Kesef you dictate it right after paying; with a peso account, "groceries, 32000" is ARS 32,000. Argentine cards offer "cuotas sin interés", equal monthly payments without interest. Pick your credit card, enter the total and the number of installments, and Kesef places each one in its month with a reminder the day before. For shared costs, from an asado with friends to a trip to Bariloche, a group keeps the balance: everyone logs what they paid and Kesef tells who owes whom, in fewer transfers if you turn on simplify debts. ## Examples in pesos and dollars - **Example (Rent in dollars, the rest in pesos):** Your apartment is USD 700 a month and you log it as a recurring expense in dollars. Your monthly total in pesos includes it at that day's DolarApp rate. - **Example (Groceries paid by QR with Mercado Pago):** You scan a QR code at the supermarket and pay ARS 48,000 with Mercado Pago. With Kesef Pro and your account connected, the purchase shows up with the merchant and a category. - **Example (An asado for six):** You pay ARS 90,000 for the asado and log it in your friends' group, split six ways: Kesef shows each of them owes you ARS 15,000. - **Example (Your phone plan with Personal):** Personal is on the list of suggested recurring bills in Argentina: you pick it, enter ARS 25,000 and a category, and it repeats every month. ## Argentine wallets, banks and bills, already on the list When Kesef sees you're in Argentina, from your currency or your phone's time zone, it suggests the payment methods locals use, with their logos: Mercado Pago, Ualá, Cuenta DNI, Brubank, Lemon, Naranja X, Galicia, Santander, BBVA, Banco Nación and others, plus Visa, Mastercard and Amex. For recurring bills it offers the power and gas companies, phone carriers and private health plans, like Edenor, Metrogas, Personal or OSDE; you set the amount. > Choosing Ualá or Galicia only labels how you paid. The one account Kesef can read on its own is Mercado Pago, with Kesef Pro. The app speaks Argentine Spanish when your phone is set to it, so locals in your shared groups see it in their own words, while you keep it in English. ## Everything else Kesef does - Category budgets that tell you how much you can spend per day until the period ends. - Savings goals with their contributions. - Groups to split expenses with an invite link, free for everyone who joins. - Recurring expenses, like a subscription, that repeat on their own. - A calendar with what you spent each day and what's coming. - A Chat you can ask about your own spending. Downloading and using Kesef is free, on iPhone and Android. Kesef Pro is an optional subscription that removes ads and limits, and you see its price in the store before subscribing. ## Keep reading - [Track spending across currencies without doing the maths yourself](https://getkesef.app/en/features/multi-currency): How Kesef handles several currencies. - [Your Mercado Pago spending, logged on its own](https://getkesef.app/en/features/mercado-pago): The Mercado Pago connection, in detail. - [Split the household bills without keeping score in your head](https://getkesef.app/en/features/split-expenses): Groups for flats, trips and dinners. - [What is the MEP dollar?](https://getkesef.app/en/glossary/dolar-mep): What the MEP dollar is, in the glossary. ## Frequently asked questions ### Which exchange rate does Kesef use between pesos and dollars? The DolarApp rate from CriptoYa, the midpoint between buy and sell at the moment you log the expense. It stays fixed afterwards. It isn't the official Central Bank rate. - [Track spending across currencies without doing the maths yourself](https://getkesef.app/en/features/multi-currency) ### Can I keep my savings in dollars and my spending in pesos? Yes. Each movement keeps its currency and totals show in the display currency you choose, which you can switch any time without changing any movement. ### Does Kesef connect to Mercado Pago in Argentina? Yes, with Kesef Pro. Your QR payments, purchases and transfers come in on their own. Kesef can't move your money. - [Your Mercado Pago spending, logged on its own](https://getkesef.app/en/features/mercado-pago) ### Does Apple Pay work with Kesef in Argentina? Yes. Apple lists Argentina among the countries with Apple Pay, and with Kesef Pro on an iPhone running iOS 17 or later, each Apple Pay purchase logs itself. - [Your Apple Pay payments, logged on their own](https://getkesef.app/en/features/apple-pay) ### Was Kesef made in Argentina? Yes. Kesef is built in Argentina, and Argentina is the country with the most people using it. The live count is at the top of this page. ### Is Kesef free in Argentina? Yes. Downloading and using it is free. Kesef Pro, which adds Mercado Pago and removes ads and limits, is optional, and the store shows its price before you subscribe. ## Sources and review date Data checked on 2026-10-24. - [Apple: countries and regions that support Apple Pay](https://support.apple.com/en-us/102775) ## Two currencies, one clear month Kesef is free on iPhone and Android. Log your next expense in the currency you paid. ## Download - iPhone (App Store): https://apps.apple.com/app/id6758053806 - Android (Google Play): https://play.google.com/store/apps/details?id=com.kesef.app ## Keep reading - [Track spending across currencies without doing the maths yourself](https://getkesef.app/en/features/multi-currency) - [Your Mercado Pago spending, logged on its own](https://getkesef.app/en/features/mercado-pago) - [Split the household bills without keeping score in your head](https://getkesef.app/en/features/split-expenses) - [Track your card instalments: each one in its month](https://getkesef.app/en/features/instalments) - [Is it better to pay in instalments or in cash?](https://getkesef.app/en/tools/instalments-vs-cash-calculator) - [What's the best expense tracker app in Argentina in 2026?](https://getkesef.app/en/compare/best-expense-tracker-app-argentina) --- Esta página en español: https://getkesef.app/argentina.md HTML: https://getkesef.app/en/argentina