Spendoa: AI Budget Tracker App

Spendoa is a personal budget and expense tracker that helps you understand where your money goes and plan what comes next. Record income and expenses, create budgets, and review your financial picture in one app. Track income and expenses Add daily purchases, bills, salary, and other income. Organize each transaction by category and account, then review your monthly cash flow in clear charts. Search and filter transaction history when you need to find a payment, compare categories, or check a past entry. Scan receipts and save time Use the AI receipt scanner to capture a receipt and speed up expense entry. It can read items, taxes, and totals so you can review the information before adding it to your records. You can also use SMS and mobile banking notification tracking to record transactions from supported bank messages when the feature is enabled. Plan a budget that fits your life Set spending limits for groceries, rent, bills, shopping, transport, and other categories. Follow your progress as the month goes on and get an alert when you approach a limit. Use your spending history to see which categories take the largest share of your budget and where you may want to adjust. Build savings goals Create a goal for a trip, an emergency fund, or a larger purchase. Choose a target amount and follow your progress as you add savings. A clear goal can help you connect everyday spending decisions with a plan you are working toward. Keep recurring payments in view Organize subscriptions, utilities, rent, and other repeating bills. Review upcoming payment dates and recurring costs together with your regular expenses, so that fixed payments are part of your budget planning. Manage debt and installments Track credit card balances, loans, and installment plans. Review payment schedules and use payoff planning tools to understand how different repayment approaches can affect your balance over time. Understand your financial patterns Explore AI chart insights and ask the AI financial assistant about your spending habits. Review your financial health score and financial stress index for a broader view of cash flow, recurring commitments, and savings. Use the spending forecast to look ahead, or try the what-if simulator to consider how a planned purchase could affect your month-end balance. See how prices affect your budget The personal inflation calculator helps you follow price changes in your own shopping basket. Use it to understand how everyday costs are changing for the items you buy. Tools for everyday money management Spendoa includes home screen widgets, biometric app lock, and a privacy screen to hide balances while you use the app in public. Export financial reports as PDF or CSV, or import transaction data from a CSV file. Choose a supported currency and review your finances in a format that works for you. Whether you want to track daily expenses, plan a monthly budget, manage subscriptions, or work toward a savings goal, Spendoa brings these tools together to help you make more informed decisions about your money. Questions to explore with the AI assistant include which categories take the largest share of your spending, how your spending changes over time, and how a planned purchase may affect your budget. Review its response alongside your transaction history and charts as you decide whether to adjust your plan.