Spentio
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AI expense tracker · No manual entry

Your finances.Automatically under control.

Spentio reads every transaction using AI, finds your subscriptions, and brings your money into one view. About a minute, start to finish.

Start freeSee how it works

Free forever plan · No credit card · No account linking

  • No bank login. Ever.
  • Works with any bank in the world.
  • Your finances, on autopilot.
9:41

Welcome back, Lena

Overview Apr 2026

Apr 2026
L

Net cash flow

+CHF 2'481

A quiet month. You kept more than last April.

+12.4%

Income

6'850

Expenses

4'370

Savings

36%

Budgets

Manage →

Groceries

69%

CHF 412 / 600

Transport

75%

CHF 187 / 250

Dining out

95%

CHF 286 / 300

Subs

78%

CHF 47 / 60

Shopping

78%

CHF 312 / 400

Upcoming

7 days
↓

Miete · Wohnung Zürich

27 Apr

−CHF 1'850

↑

Lohn · Helvetia AG

28 Apr

+CHF 6'850

↓

Spotify Family

29 Apr

−CHF 18

↓

CSS Krankenkasse

30 Apr

−CHF 412

Built to be effortless

Under a minute to start

Any bank, any country

No bank login required

iOS and web

How it works

Your money, finally understood. In three steps.

01

Hand it over.

Any bank. Any country. Share what your bank already shows you. No setup, no bank login, no format hassles.

02

AI takes over.

Every transaction identified, categorized, and verified automatically. Nothing slips through.

03

It just makes sense.

All your banks, all your months. One dashboard that thinks for you.

Features

Everything you need. Nothing you don't.

Set a monthly limit for any category. Spending tracks itself automatically. Alerted before you hit the limit, not after.

Budgets

April 2026

Manage

Groceries

69%

CHF 412 of CHF 600

Transport

75%

CHF 187 of CHF 250

Dining out

95%

CHF 286 of CHF 300

Subscriptions

78%

CHF 47 of CHF 60

Shopping

78%

CHF 312 of CHF 400

On track 3

Near limit 2

Over budget 1

FAQ

Questions, answered.

Spentio is an AI expense tracker with no manual entry. Share what your bank already shows you. Spentio reads every transaction, sorts it, spots your monthly subscriptions, and brings your money into one clean view. About a minute, start to finish.

Journal

Recent highlights

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All your money. Sorted in minutes.

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No bank login. Free plan, forever. 14-day trial on paid plans.