Android
Capture payment notifications from the banking, messaging and email apps you select. Notification access is required.
Automatic logging
Track your expenses automatically. Take control of your money.
Capture payment alerts, organize expenses with AI and keep your budget in view. SpendlyAI brings automatic logging and financial planning together on iPhone and Android.
How It Works- Free to start
- No credit card
- Your finances in order in under 5 minutes.
Automatic logging
From payment alert to organized expenses.
Review the proposed transactions before approving them.
Interactive demo
Premium: Automatic, ad-free
Automatic logging
Automatic logging
Nothing to review
When a payment is detected, it will show up here for you to approve.
Bank notification
Grocery Store$67.30Credit Card
Bank notification
Grocery Store −$67.30 - Category
- Groceries
- Account
- Credit Card
Analyzing your records…
GroceriesCredit Card
Created Successfully
The expense is recorded and ready to find in your transactions.
SpendlyAIInteractive demoiPhone
Use Shortcuts automations for Apple Pay, bank SMS and payment emails received in Apple Mail. Set up each sender you want to capture.
Analyze captured records
Free
Capture and channel setup are free. Earn a rewarded-ad reward to analyze captured movements, then review them before approval.
Premium
Premium analyzes captured movements automatically, without ads. Review the proposed transactions before approving them.
Your AI agent
Meet the agent behind SpendlyAI.
- Answers with your real numbers
- Logs expenses from a sentence
- Tells you what you can spend today
Interactive demo
Today
Where do we start?
Analyzing your records…
Spendly AI
−$4.50
- Title
- Coffee
- Category
- Food & Drinks
- Account
- Cash
Transaction registered!
Today
Where do we start?
Analyzing your records…
Spendly AI
−$40.00
- Title
- Gas at Shell
- Category
- Transport
- Account
- Debit Card
Transaction registered!
Today
Where do we start?
Analyzing your records…
Spendly AI
−$67.30
- Title
- Grocery Store
- Category
- Groceries
- Account
- Credit Card
Transaction registered!
19
Languages SupportedBank-Grade
EncryptionOffline-First
Works Anywhere.AI-Powered
Smart Analysis Complete Toolkit
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
How It Works
Ridiculously Simple.
Three steps. That's it.
01
Capture
Say "Coffee $5" or snap a receipt photo. Type it in if you prefer. Whatever feels natural.
02
Automate
AI categorizes the transaction, updates your budgets, detects patterns, and logs everything.
03
Grow
Get actionable analysis, build savings with yields, track streaks, and hit your financial goals.
Who Is It For?
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.
Plans
Free Forever. Premium When You're Ready.
Start for free with everything you need. Upgrade only when you want the full power.
SpendlyAI
$0
Everything you need to start
For those who want it all
| Features | Free | PremiumPRO |
|---|---|---|
| Analyze captured records | Rewarded ad | Automatic, ad-free |
| Accounts | ✓ | ✓ |
| Categories | ✓ | ✓ |
| Savings Pockets | ✓ | ✓ |
| Credits & Loans | ✓ | ✓ |
| Budget & Analytics | ✓ | ✓ |
| Debt Simulator | ✓ | ✓ |
| Smart Notifications | ✓ | ✓ |
| AI agent without limits | − | ✓ |
| Voice & Photo Input | ✓ | ✓ |
| Cloud Sync | − | ✓ |
| Data Export | ✓ | ✓ |
| Streak Freezes | − | 7/month |
What Users Say
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.
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.
Finally an app that doesn't sell my data. The free tier alone is better than most paid finance apps I've tried.
How does automatic expense tracking work?
Android: Capture payment notifications from the banking, messaging and email apps you select. Notification access is required. iPhone: Use Shortcuts automations for Apple Pay, bank SMS and payment emails received in Apple Mail. Set up each sender you want to capture. Capture and channel setup are free. Earn a rewarded-ad reward to analyze captured movements, then review them before approval. Premium analyzes captured movements automatically, without ads. Review the proposed transactions before approving them.
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, 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, notifications and a taste of the agent with rewarded ads — all in 19 languages. Premium unlocks the agent without limits, autonomous mode, cloud sync, connected assistants 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 sell your data to third parties, SpendlyAI is funded by subscriptions. Zero data selling, a product built entirely around your interests.
SpendlyAI Your First Week
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.