Spendly AISpendly AI
AI-Powered Personal Finance

Stop guessing
where your money
goes

Type “coffee 4.50” or speak it aloud — AI categorizes, organizes, and surfaces insights you actually care about. No spreadsheets. No manual entry. Just clarity.

Text & Voice AI inputAuto-categorized100+ currenciesAI Insights & Coach
Join the Waitlist — FreeSee it in action
AI Transaction Parser
Active
coffee at starbucks 4.50$
☕

Starbucks

Coffee & Drinks · Auto-categorized

-$4.50
🎤 "grocery store forty two dollars"
🛒

Grocery Store

Food & Dining · Voice input

-$42.00
Processes in under 300ms · Works in any language

Auto-categorized

97.4% accuracy

Supported inputs

Text + 🎤 Voice

Why Spendly AI

Manual tracking is dead. AI does it better.

Most finance apps make you do the work. Spendly AI flips that — you just describe what happened, and it handles the rest.

Core feature

Text & Voice AI

Just say it — AI does the rest

Type "lunch 12.50 at work" or speak it aloud. AI extracts the amount, picks the right category, and adds the transaction in under a second. No forms. No dropdowns.

Smart Wallets

Separate travel, work & personal money

Create wallets for different spending buckets — cash, debit, savings, or custom. See each balance independently, or as one total automatically converted to your currency.

Unique to Spendly

AI Insights & Coach

Your personal finance coach, built in

Not just charts. The AI Coach reads your spending patterns and tells you what matters: savings rate, peak spending days, concentration risks — in plain language.

Multi-Currency

Spend in euros, see it in dollars

Add transactions in any of 100+ currencies. Set your main display currency and every wallet balance recalculates with live exchange rates — instantly.

Recurring Transactions

Set it once, never log it again

Mark any transaction as recurring — daily, weekly, every 2 weeks, monthly, or yearly. Rent, subscriptions, salary — tracked automatically without lifting a finger.

vs bank apps

Works with everything

Any bank. Any cash. Any country.

Unlike Revolut or your bank app, Spendly AI isn't tied to one account. Track cash, cards from any bank, foreign accounts, and crypto wallets — all in one place.

Why not just use Notion, a spreadsheet, or my bank app?

Spreadsheets require discipline. Bank apps only see their own transactions. Spendly AI works with all your money — cash, any bank, any currency — and uses AI so you spend seconds, not minutes logging each expense.

Real app. Real screens.

See it in action

Every screen shown is the real app — no mockups, no marketing fluff.

Everything at a glance

Total balance, income vs expenses, and your full transaction history — filterable by week, month, or year. Search any transaction instantly.

1 / 7
Everything at a glance
Log a transaction in seconds
Your financial snapshot
AI Coach — deep analysis on demand
Charts that tell the real story
Multiple wallets, one clear total
Categories built for speed
How it works

Three steps to clarity

From your first transaction to deep financial insights — Spendly AI keeps it simple at every step.

01
AI & Voice

Add Transactions

Type naturally — 'coffee $5' or 'grocery 42 usd' — or just speak it aloud. AI parses the intent, amount, and category instantly. Manual entry is always available too.

02
Wallets & Categories

Organize & Budget

Group transactions by wallet and category automatically. Set monthly budgets per category and watch real-time progress bars keep you on track.

03
Insights

Analyze & Grow

Explore beautiful charts, monthly comparisons, and AI-generated insights that reveal exactly where your money goes — so you can spend smarter.

FAQ

Common questions, honest answers

Everything you want to know before trusting an app with your financial data.

Your financial data is stored on servers located in the European Union. Data is encrypted in transit using TLS 1.3. Passwords are stored as bcrypt hashes — never in plain text. Authentication tokens on your device are protected by iOS Keychain and Android Keystore.

No. Your financial data is private and accessible only to you. We do not share your data with any government agency, advertiser, or third party — unless legally compelled by a valid court order. We will notify you to the extent legally permitted if such a request is made.

Spendly uses OpenAI's GPT models for text and voice transaction parsing, and for the AI Coach deep analysis feature. When you use Text AI or Voice AI, your input is sent to OpenAI's API for processing. Voice audio is not stored by Spendly after processing.

No. You can use Spendly AI in full guest mode — no email or password required. Your data is stored locally. You can create an account later to sync data across devices and unlock cloud backup.

Bank apps and Revolut only track money inside their own system. Spendly AI works with all your money — cash, cards from any bank, foreign accounts, digital wallets — giving you a complete financial picture in one place. You control the data, not the bank.

Spreadsheets require discipline and manual data entry — most people stop after a week. Spendly AI lets you log an expense in under 3 seconds by typing or speaking naturally. The AI categorizes and organizes automatically, so you actually stick with it.

Spendly AI supports 100+ currencies with live exchange rates. Set a main display currency and every wallet balance — regardless of which currency it was entered in — is automatically converted and shown in your preferred currency.

Yes, Spendly AI is free to download and use. The app is currently in active development and will be available on the App Store and Google Play. Join the waitlist to be notified at launch.

More questions? Contact us — we respond within 24 hours.

Get in touch

We'd love to hear from you

Have a question, partnership idea, or just want to say hi? Drop us a message and we'll get back to you quickly.

Response time

Within 24 hours

Support

Available in English

By contacting us, you agree to our Privacy Policy and Terms of Use.

Coming soon

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Spendly AI is in active development. Leave your email — we'll notify you the moment it's available on the App Store and Google Play.

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