SpentyAI

SpentyAI is your AI accountant in your pocket — built for India, powered by AI, and friendly enough that anyone can use it. Whether you're managing personal expenses, running a freelance business, or growing a small enterprise, SpentyAI puts an intelligent finance assistant on your iPhone and iPad. TALK TO YOUR FINANCES — AI DOES THE BOOKS Tell SpentyAI in plain English: "I spent ₹500 on lunch from HDFC card." The AI records the entry, picks the right category, posts the double-entry journal, and queues it for your one-tap approval. Ask "How much did I save this month?" and get an instant answer. No accounting jargon. No spreadsheets. AUTO-DETECT TRANSACTIONS FROM YOUR INBOX & SMS Connect Gmail or Outlook, or paste your bank SMS. SpentyAI reads only your transaction-related messages and drafts every entry — payments, salary credits, NEFT, UPI, RTGS, IMPS, EMIs, credit card bills. You scan, you approve. Books stay clean. NEVER MISS AN AUTO-DEBIT, MANDATE, OR SUBSCRIPTION AGAIN SpentyAI automatically finds every recurring charge buried in your email — NACH mandates, UPI AutoPay, SIPs, EMIs, insurance premiums, OTT subscriptions (Netflix, Spotify, Hotstar), gym memberships, and more. See exactly what's getting charged next month, when, and how much. Spotted a forgotten subscription you never use? Cancel it before the next charge and keep that money in your pocket. AI RECONCILIATION WHEN BALANCES DON'T MATCH Bank statement and your books don't agree? Upload the statement (PDF, Excel, or CSV — even password-protected). SpentyAI compares every line against your ledger and surfaces every conflict — duplicates, missed entries, wrong amounts, untracked charges. Fix the gap in minutes, not days. Complete audit trail every time. SYNC ACROSS YOUR DEVICES SpentyAI runs natively on your iPhone and iPad, with a fully-featured web companion at spentyai.com. Sign in with Apple or Google on any device — your data syncs instantly. Start an entry on your iPhone during your commute, finish reconciliation on your iPad at home, check projections from any browser. One account. Everywhere. SMART DASHBOARD See your net worth, monthly income, expenses, and pending approvals at a glance. Live across all your accounts. 24-MONTH CASH-FLOW PROJECTION See the next two years before they happen. Detected mandates and recurring payments project forward month by month so you know exactly what's coming. PROFESSIONAL GST INVOICES Create polished invoices with your business logo and full GST support — CGST, SGST, IGST, HSN codes. Email directly to clients, track payment status, see who's overdue, and manage debtor aging. PURCHASE BILLS, VENDORS & CREDITOR AGING Mirror invoicing on the buy side. Track every supplier bill with ITC-ready GST breakdowns. Know what you owe whom. RECEIPT SCANNER Snap a photo of any receipt or bill. AI extracts the merchant, amount, date, tax breakdown, and line items. REPORTS & ANALYTICS Visual breakdown of where every rupee went — by category, by account, by period. Export to CSV or PDF for your accountant or tax filing. RECORDS VAULT Every source email, .eml receipt, PDF, or screenshot is stored alongside its transaction. Searchable, downloadable, audit-ready. BUILT FOR INDIA, WORKS GLOBALLY INR with full UPI, NEFT, RTGS, IMPS, GST, and HSN/SAC support out of the box. Multi-currency support for international use. NOW FREE TO START SpentyAI is free to start — track expenses, talk to your finances, auto-detect transactions from email & SMS, reconcile statements, and see your cash-flow projection at no cost. A premium upgrade unlocks professional GST invoicing, purchase bills & vendor tracking, and the SpentyAI plugin for Claude and ChatGPT. Upgrade only if you need it — cancel any time. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://spentyai.com/privacy Download SpentyAI today and let AI take the stress out of your money.