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

Overview April 2026

Net this month

+CHF 2'480

+12.4%

Income

6'850

Expenses

4'370

Savings rate

36%

Budgets

Manage →

Groceries

87%

CHF 612 / 700

Transport

89%

CHF 487 / 550

Dining out

97%

CHF 386 / 400

Subscriptions

95%

CHF 247 / 260

Shopping

78%

CHF 312 / 400

Upcoming

Next 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

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.

Your data

AI that reads your statements.Without owning your data.

Hosted in Switzerland

Everything you save in Spentio is stored on Microsoft Azure in Switzerland, under Swiss and EU data protection law.

You approve what the AI sees

Every extracted line is shown to you first, and you can delete any of it before processing. Only what you approve is read.

Never training data

Your statements are processed under a data processing agreement and are never used to train AI models.

Statements are never stored

Your PDF is read once and deleted in the same moment. What stays is what you approved: your transactions, nothing else.

Your data leaves with you

Export every transaction as CSV, on every plan, in one click. Your history is never hostage to a subscription.

Delete means delete

Deleting your account removes everything in it, in one action. Not a hidden flag in a database. Gone.

Read the privacy policy

Investments

Expenses and investments.One app. Your logins stay yours.

Most money apps make you choose: a budgeting app that has no idea what you own, or an investing app that wants your broker login. Spentio does both and asks for neither. Tell it where you invest, enter what you hold or drop in the statement your broker already sends you, and everything comes together in one place, in your currency.

90+
countries where your bank can be your broker
900+
banks and brokers to choose from
0
broker or bank passwords stored. Not one, ever.
  1. 1Choose where you investA broker, the bank you already use, or the exchange that holds your coins. Most banks trade shares these days, and Spentio treats yours like any other broker.
  2. 2Type it in, or drop in the statementEnter what you hold and what you paid, fees included. Or drop in the PDF your broker sends and Spentio reads every purchase, sale, dividend and fee, skipping anything already on file.
  3. 3See it in your currency, from day oneYour chart starts on the day you bought, every amount is converted at that day's rate, and you can see exactly which currencies you are exposed to. When you sell, the position moves to a closed list that shows how it performed.
Start free

Prices update automatically. Spentio never connects to your broker or your bank, so your passwords stay yours.

Proof

Tested, not promised.Judge us on your own statement.

Built on real statements

The import engine is developed and tested against real bank statements and app screenshots, with all their quirks: multi-line descriptions, credit-card signs, three date formats on one page.

Nothing imports silently

Every line is shown to you before it counts. If something reads wrong, you see it in the review, not at the end of the month.

Flag it with one tap

Spot a wrong line in the review? One tap sends it to us, and formats that fail become fixes.

We'd rather show you the process than invent a percentage. Upload one month and judge us on your own statement, free.

Start freeSee the features

iPhone app

In your pocket too.Everything syncs.

Snap a statement from your phone, check your budgets on the go and get a heads-up the day before a bill is due. The iPhone app is in beta: leave your email and we'll send you your invite.

Free. We only use your email for the beta invite.

The Spentio iPhone app showing the overview screen

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.

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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.