Payto - AI 가계부·커플 공유·지출관리

Speak and it is recorded. Introducing Payto, an AI household ledger for couples and families.

The reason you fold a household ledger three times is not a lack of willpower, but the hassle. Payto reduces the time spent recording to just 3 seconds, and the AI ​​reads the accumulated records for you to adjust your next spending.

■ 3 Seconds to Speak, One Shot for Receipts

· Press the microphone and say "Lunch Kimchi Stew 9,000 won," and the amount, category, and date will be automatically filled in.

· If you take a picture of a receipt, it recognizes the text to create a transaction history. There is no need to collect paper receipts.

· Payment methods and exchange rates for international payments are also recorded.

■ A Shared Household Ledger for Couples and Families

· Invite your spouse, partner, or family with a single invitation code. You do not need to share accounts.

· Who spent what is synchronized in real-time.

· Check expenses and divisions by member at a glance.

■ Your Budget Is Notified Before You Pass

· Once you set a monthly budget, you can view the remaining amount and usage rate directly on the home screen. · Register your monthly fixed expenses and installments, and the system will deduct them from your remaining budget in advance.

· You can receive record notifications at a set time every day. You can register multiple times.

■ AI Reads Out My Spending

· The AI ​​highlights notable items from your daily spending.

· Simply ask, "How much did you spend on deliveries this month?" and it will look up your ledger to provide the answer.

· At the end of the month, it compiles spending patterns by category and items that can be reduced into a report.

· You can choose from seven different AI voice styles.

■ Home Screen Widget

· Check your budget status and this week's expenses without opening the app.

■ Other Features

· Accurate classification with over 100 detailed categories

· Migration from your previous ledger via CSV export/import

· Dark Mode

· Korean, English, Japanese, French, German

■ Suitable for:

· Those who have installed ledger apps multiple times but couldn't stick with one for more than a week

· Those who only realize why their credit card bills have increased at the end of the month

· Couples who want to manage living expenses together, or couples splitting dating costs

· Those who want to consolidate all household expenses in one place, from children's allowances to subscription fees

· Freelancers and self-employed individuals whose income is irregular, making expense management even more critical

■ Why 3 Seconds Matter

Maintaining a ledger is difficult, not starting. The fifteen taps required to open an app, select a category, and enter amounts break the habit. Payto has reduced this process to just a single word or a photo.

As records accumulate, AI analyzes spending for you, so you never have to look at tables or do calculations manually. ■ Payto Pro

You can use record keeping, budget management, and participate in shared household accounts for free. If you subscribe to Pro, there are no limits on the number of times you can speak to record and use AI chat, you can receive daily AI insights and monthly spending reports, access all categories and multiple shared household accounts, and ads disappear. If you only need ad removal, you can choose a cheaper product separately.

· Subscriptions are automatically renewed unless canceled before the end of the period.

· You can cancel at any time in the recurring billing settings on Google Play.

Privacy Policy: https://payto.work/ko/privacy

Terms of Use: https://payto.work/ko/terms