Track your expenses in Guatemala, in quetzales

The quetzal in Kesef

If your phone's region is Guatemala, Kesef suggests the quetzal as your main currency when you install it. It writes quetzales with the Q in front and a space, a comma for thousands and a point for decimals: Q 1,250.50. If you dictate an expense without naming a currency, it goes in your account's currency, so "groceries, 485" is already Q 485.

If you pay for something in dollars, that expense stays in dollars and Kesef adds it to your totals in quetzales at the day's international rate.

Apple Pay in Guatemala: payments that log themselves

Apple lists Guatemala among the countries with Apple Pay, so with Kesef Pro, on an iPhone running iOS 17 or later, every Apple Pay payment logs itself with its amount and merchant. You turn it on once from the Shortcuts app. Mercado Pago isn't offered in Guatemala: whatever you pay by transfer or in cash, dictate it or log it with a receipt photo.

Bono 14 in July and the aguinaldo at year end

In Guatemala, the Annual Bonus Law (Decree 42-92) requires employers to pay Bono 14, worth one month of ordinary salary, and it is paid in July. The aguinaldo is a separate benefit, paid at year end.

In Kesef each one goes in as income on the day you receive it. Two extra salaries a year are the best chance to feed a savings goal: send part of it as soon as it lands, the goal keeps the contribution with its date, and the rest of the month stays on its usual budget.

Examples in Guatemala, in quetzales

• ExampleThe weekly grocery runOn your way out you say "groceries, 485" and Kesef records Q 485: with no currency named, it uses your account's, the quetzal.
• ExampleSnacks with coworkersYou pay Q 180 for a refacción for three and log it in a Kesef group split equally: each of them owes you Q 60.
• ExampleA phone in 12 installmentsA Q 3,600 phone paid over 12 months on the card is logged once: 12 installments of Q 300 appear, each with a reminder the day before.