Phonance

Phonance is your personal financial assistant: it automatically records your expenses and income by reading your bank notifications, without you having to do anything manually.

How does it work?
Every time your bank sends you a notification of a payment, collection, or transfer, Phonance detects it instantly and saves the transaction to your history. No forms, no photos of receipts, no writing down every expense by hand.

Main features:
• Automatic recording of expenses and income from bank notifications (SMS and email)
• Automatic categorization of your expenses
• Monthly financial summary with income vs. expense balance Expenses
• Complete history organized by date and merchant
• Savings goals and monthly spending limits, with alerts before you exceed your budget
• Multi-currency support: Soles and Dollars
• AI-powered financial assistant: ask for your monthly summary, compare months, or request ideas for reducing expenses
• Manual entry available for any transaction you prefer to record yourself
• Add custom senders for banks not supported by default

Privacy first: Phonance only reads bank notifications to record your transactions. It never accesses your personal messages or other apps.

Phonance includes a 14-day free trial. After that, the subscription costs S/ 3.99 per month and you can cancel anytime from the app store.

Available for iOS and Android in Peru.