Finally a finance app
you won't abandon.
Hello 👋
Where do we start?
Built for People Who
Want Financial Clarity.
You Earn Well But Don't Know Where It Goes
You have income but at the end of every month you wonder what happened. SpendlyAI gives you clarity without you having to do anything manually.
Your Income Varies or You Work Independently
Freelancer, entrepreneur, or creator. Your income changes every month and you need control without the hassle.
You're Starting to Manage Your Own Money
First time living on your own or making financial decisions. SpendlyAI teaches you while helping you get organized.
Everything You Need to
Master Your Money.
From daily tracking to long-term planning — every financial tool, one app.
Track & Manage
- Multiple account types with yield tracking (checking, savings, cash, credit card)
- Add transactions by text, voice, or photo — zero friction
- AI-powered automatic categorization
- Inter-account transfers with optional fees
Budget & Plan
- Smart budget with custom warning thresholds
- Customizable categories with icons & colors
- Recurring income tracking (daily, weekly, biweekly, monthly, quarterly, yearly)
- Fixed expense management with due date alerts
Save & Grow
- Goal-based savings pockets with target tracking
- Yield calculator with compound interest projections
- Daily activity streaks with milestones & rewards
- Streak freezes to protect your progress
Credit & Debt
- Credit card management with limit & balance tracking
- Loan tracking with payment schedules
- Debt simulator (French & Fixed Principal amortization)
- Full amortization table visualization
AI That Does It All
- Add transactions, check budgets, and analyze spending — all by voice or text
- Personalized recommendations based on your financial habits
- Spending pattern detection & trend analysis
- Income vs. expense reports and cash flow breakdowns
Analytics & Sync
- Interactive charts with income, expense & category breakdowns
- Cloud sync across all your devices
- Data export to take your finances anywhere
- Smart notifications — reminders, due dates & budget alerts
Ridiculously Simple.
Three steps. That's it.
Capture
Say "Coffee $5" or snap a receipt photo. Type it in if you prefer. Whatever feels natural.
Automate
AI categorizes the transaction, updates your budgets, detects patterns, and logs everything.
Grow
Get actionable analysis, build savings with yields, track streaks, and hit your financial goals.
Free Forever.
Premium When You're Ready.
Start for free with everything you need. Upgrade only when you want the full power.
Free
$0
Everything you need to start
Premium
PRO
For those who want it all
People Love
SpendlyAI.
"I used to lose track of small expenses every month. Now SpendlyAI catches everything — even the coffee runs. I finally know where my money goes."
María G.
Freelance Designer
"The voice input changed everything for me. I just say what I spent and it's done. No more forgetting to log expenses at the end of the day."
Carlos M.
Software Engineer
"Finally an app that doesn't sell my data or show ads. The free tier alone is better than most paid finance apps I've tried."
Sarah L.
University Student
Common Questions
Is my financial data secure?
Your data is encrypted during transit using bank-grade protocols. We run 15+ security checks including SSL pinning, root detection, and code integrity verification. We never sell your data, never show ads, and you can export or delete everything at any time.
Can I use SpendlyAI completely free?
Yes. The free tier includes accounts, categories, budgets, recurring income and expenses, a savings pocket, the debt simulator, analytics, and notifications — all in 13 languages. Premium takes it further with unlimited accounts and categories, AI financial assistant, voice and photo input, cloud sync, data export, and streak freezes.
How does voice and photo input work?
Speak naturally — say "Lunch $15" or "Gas $40 at Shell". You can also take a photo of any receipt. Our AI understands context, automatically categorizes the transaction, assigns the right account, and updates your budgets.
How do notifications and reminders work?
SpendlyAI sends daily expense logging reminders, payment due date alerts (configurable days before), and budget threshold warnings when you're close to your limit. All notification times and frequencies are fully customizable.
What happens if I cancel Premium?
Your data stays safe. You keep access to all free tier features, and you can export your data anytime. Subscriptions are managed through Apple App Store or Google Play — no hidden contracts, cancel with one tap.
Why is SpendlyAI a paid product?
Because you're the customer — not the product. Unlike free finance apps that monetize through ads or sell data to third parties, SpendlyAI is funded by subscriptions. Zero ads, zero data selling, a product built entirely around your interests.
Your First Week
with SpendlyAI.
Download free. Track your first expense in seconds. No forms, no credit card — just financial clarity from day one.
Available on iOS and Android · Free to start · No commitments.
13
Languages Supported
Bank-Grade
Encryption
Zero Ads
Ever. Period.
AI-Powered
Smart Analysis