A small company in Switzerland.On purpose.

Spentio is the AI expense tracker built in Switzerland by a small, independent team. There is no data-broker business model on the side and no growth-at-all-costs playbook. We build a tool, you pay for it if it earns its keep. That is the whole model.

We built Spentio because every bank app shows you one account, and no bank app shows you your life. The tools that promised to fix that wanted your online banking login handed to a third party, and outside the US they mostly break. We wanted the opposite: an app you can hand a statement. Your bank already gave you the PDF. That should be enough.

Being small is our edge. We ship in days what bigger teams schedule in quarters, we sweat the details committees sand away, and nothing goes live before it has passed on real bank statements. And because subscriptions are our only revenue, every decision has exactly one customer: you.