Spentio
Get Started Free

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

Overview April 2026

Net this month

+$2,000

+12.4%

Income

6,200

Expenses

4,200

Savings rate

32%

Budgets

Manage →

Groceries

86%

$516 / 600

Transport

88%

$460 / 520

Dining out

93%

$390 / 420

Subscriptions

84%

$84 / 100

Shopping

74%

$295 / 400

Upcoming

Next 7 days
↓

Rent · Austin TX

Apr 27

−$2,100

↑

Payroll · Northwind Inc

Apr 28

+$6,200

↓

Spotify Family

Apr 29

−$20

↓

Blue Cross premium

Apr 30

−$385

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

Most apps just track your money.Spentio understands it.

Drop in a PDF from your bank or a screenshot from your banking app. Magic Import reads every line, sorts it, and recognizes what you have already categorized. A month of finances, done in about a minute.

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

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All your money. Sorted in minutes.

Start free

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