# Track your expenses in Guatemala, in quetzales > Track your spending in quetzales with Kesef: dictate groceries, split the refacción, log Bono 14. With Apple Pay (Pro), payments log themselves. _By [Gonzalo Nahmías](https://getkesef.app/en/gonzalo-nahmias) · Updated on 2026-11-06_ **96 people in Guatemala have used Kesef** (number 18 of 132 countries, as of 2026-11-06). **In short:** Kesef is a free iPhone and Android app that tracks your spending in Guatemala in quetzales: Q 485 of groceries by voice, a snack run split in a group and July's Bono 14 as income. With Kesef Pro, whatever you pay with Apple Pay on your iPhone logs itself. This page explains how Kesef works in Guatemala: how it handles the quetzal, what logs itself and what's worth logging on the spot. ## 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 - **Example (The weekly grocery run):** On your way out you say "groceries, 485" and Kesef records Q 485: with no currency named, it uses your account's, the quetzal. - **Example (Snacks with coworkers):** You pay Q 180 for a refacción for three and log it in a Kesef group split equally: each of them owes you Q 60. - **Example (A phone in 12 installments):** A 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. ## Frequently asked questions ### Does Kesef work in Guatemala? Yes. Kesef is a free download in Guatemala on the App Store and Google Play and tracks your spending in quetzales. How many people use it from Guatemala is at the top of the page, with the day's count. ### Can I track my expenses in quetzales? Yes, and they look like this: Q 1,250.50. If your phone's region is set to Guatemala, Kesef suggests it when you start. ### Do my Apple Pay payments log themselves in Guatemala? Yes, with Kesef Pro on an iPhone running iOS 17 or later. There's no Apple Pay on Android. - [Your Apple Pay payments, logged on their own](https://getkesef.app/en/features/apple-pay) ### Does Kesef have Mercado Pago in Guatemala? No. Mercado Pago is offered in Argentina, Brazil, Mexico, Colombia, Chile, Peru and Uruguay. What logs itself, on iPhone, is Apple Pay. ### How do I log Bono 14 in Kesef? As income, on the day you get paid, under whatever category you like. If you want to set part of it aside, create a savings goal and add a contribution that same day, so the bonus doesn't blend into the month's spending. ## Sources and review date Data checked on 2026-11-06. - [Apple: countries and regions that support Apple Pay](https://support.apple.com/en-us/102775) - [Decreto 42-92, Ley de Bonificación Anual (Bono 14)](https://mcd.gob.gt/wp-content/uploads/2013/07/bono-14-decreto-42-92.pdf) - [Emisoras Unidas: el Ministerio de Trabajo sobre el pago del Bono 14](https://emisorasunidas.com/2020/06/30/ministerio-trabajo-destaca-proceso-pago-bono-14/) ## Your quetzales, in order Download it free on iPhone or Android and log your first expense by voice. ## 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 - [Your Apple Pay payments, logged on their own](https://getkesef.app/en/features/apple-pay) - [Track spending across currencies without doing the maths yourself](https://getkesef.app/en/features/multi-currency) - [Log the whole day's expenses by talking, in one go](https://getkesef.app/en/features/voice-expense-tracking) - [Savings goals: set the amount and Kesef tells you whether you'll make it](https://getkesef.app/en/features/savings-goals) - [Is it better to pay in instalments or in cash?](https://getkesef.app/en/tools/instalments-vs-cash-calculator) - [Kesef or Splitwise: which one fits how you split expenses](https://getkesef.app/en/compare/kesef-vs-splitwise) --- Esta página en español: https://getkesef.app/guatemala.md HTML: https://getkesef.app/en/guatemala