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AI-powered personal finance

Track your money. Understand your spending.

A fast, mobile-first expense tracker with AI-powered insights. Record expenses in seconds and understand where your money goes.

Track your first expenseI already have an account

Free while in development · Built for LKR · Designed for your phone

Expense entry in seconds

A fast, mobile-first form with smart defaults: your recent categories, accounts and today's date.

Clear financial overview

Balance, income, expenses and month-over-month change - calculated from your real transactions.

Useful analytics

Spending over time, category breakdowns, trends, recurring expenses and unusual transactions.

AI that explains

Deterministic analytics first. The AI interprets the numbers - it never invents them.

Budgets that warn you

Monthly and per-category budgets with clear progress tracking and early warnings.

Private by design

Email verification, Row Level Security and private receipts. Your data is isolated to your account.

Your numbers stay yours. The AI only explains them.

Every total, trend and anomaly is calculated by deterministic server-side analytics against your own data. The AI receives a small, structured summary - never raw database access - and turns it into plain language you can act on.

  • Your spending increased 12% this month, mostly due to dining and shopping.
  • Food spending is Rs. 5,200 higher than last month.
  • Your Food budget is 82% used with 9 days left in the month.
  • Netflix and Spotify look like monthly subscriptions (Rs. 3,100/month).
  • This restaurant charge is far above your typical spending in that category.
Example insight

“Your spending increased 12% this month, mainly due to dining and shopping. Food accounts for most of the increase, while transport stayed flat.”

Generated from structured analytics - the numbers come from your database, not the AI.

Frequently asked questions

Everything you need to know before you start tracking.

Is Spendly free?

Yes. Spendly is free while in development - no ads and no card required. Create an account, verify your email and start tracking.

Does it work on my phone?

Spendly is mobile-first and installable as an app. Add it to your home screen and it opens full-screen, with expense entry that takes seconds.

How does the AI avoid making up numbers?

It doesn't calculate anything. Balances, budgets, trends, recurring expenses and anomalies are computed deterministically from your transactions; the AI only turns those numbers into plain language.

Is my financial data private?

Yes. Every record is protected by row-level security tied to your account, emails must be verified before any data is accessible, and receipts live in a private storage bucket only you can open.

Does it support LKR and other currencies?

Yes - LKR is the default, and every account and transaction stores its own currency (USD, EUR, GBP, INR, AUD and SGD are supported today).

What can I track?

Expenses, income and transfers across cash, bank accounts, cards and e-wallets - plus monthly and per-category budgets, recurring expense detection and spending analytics.

Start understanding your spending today

Create an account, verify your email and add your first expense in under a minute.

Create your account