# Track your expenses in Panama, in balboas > Your spending in Panama, in balboas or dollars: Yappy payments, the metro card, the thirteenth month. With Apple Pay (Pro), payments log themselves. _By [Gonzalo Nahmías](https://getkesef.app/en/gonzalo-nahmias) · Updated on 2026-11-06_ **51 people in Panama have used Kesef** (number 28 of 132 countries, as of 2026-11-06). **In short:** Kesef is a free iPhone and Android app that tracks your spending in Panama in balboas or dollars, whichever you choose. You dictate what you pay through Yappy, the metro top-up repeats itself and each part of the thirteenth month goes in as income. If you pay with Apple Pay, Kesef Pro logs it for you. This page explains how Kesef works in Panama: how it handles the balboa, what logs itself and what's worth logging on the spot. ## The balboa in Kesef If your phone's region is Panama, Kesef suggests the balboa (B/. 1,250.50) as your main currency. But in Panama the balboa is worth the same as the dollar and the bills in circulation are dollars: if you'd rather see everything in dollars, pick the US dollar when you start or change it later from your Profile. One catch: with a balboa account, an expense you log in dollars is saved in dollars and converted at an international rate. If you pay for something in dollars, that expense stays in dollars and Kesef adds it to your totals in balboas at the day's international rate. ## Apple Pay in Panama: payments that log themselves Apple lists Panama 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 Panama: whatever you pay by transfer or in cash, dictate it or log it with a receipt photo. ## The thirteenth month, in three parts In Panama the thirteenth month doesn't arrive all at once: it's paid in three parts, on April 15, August 15 and December 15, and together they add up to one twelfth of what you earned in the year. Both public and private sector workers get it. Three fixed dates a year lend themselves to a plan: in Kesef you log each part as income when it arrives and send a share to the same savings goal, so you see in one place how much the décimo added up to over the year. ## Examples in Panama, in balboas - **Example (Lunch via Yappy):** You pay B/. 8 through Yappy and dictate it afterwards: "lunch, 8". It goes in your account's currency, balboas or dollars, whichever you picked. - **Example (The metro card):** The B/. 10 you put on your metro card each week is logged once as a weekly recurring expense, and Kesef repeats it. - **Example (A washing machine in 6 installments):** The B/. 540 washing machine in six card installments: Kesef schedules all six, at B/. 90. ## Frequently asked questions ### Does Kesef work in Panama? Yes. Kesef is a free download in Panama on the App Store and Google Play and tracks your spending in balboas. How many people use it from Panama is at the top of the page, with the day's count. ### Can I track my expenses in balboas? Yes, and they look like this: B/. 1,250.50. If your phone's region is set to Panama, Kesef suggests it when you start. ### Do my Apple Pay payments log themselves in Panama? 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 Panama? 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 track the thirteenth month in Kesef? Log each part as income, on April 15, August 15 and December 15. If you set aside a portion of each in the same savings goal, at year end you see how much the décimo added up to. ## 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) - [La Prensa: pago del décimo tercer mes](https://www.prensa.com/economia/operativo-por-decimo-tercer-mes-recomendaciones-de-seguridad-al-cobrar/) - [Panamá América: el décimo tercer mes, evolución del salario extra](https://www.panamaamerica.com.pa/economia/decimo-tercer-mes-evolucion-del-salario-extra-del-panameno-1225541) ## Your balboas, or your dollars, 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/panama.md HTML: https://getkesef.app/en/panama