Track your spending
by just chatting.
Your AI-powered spending assistant, right in WhatsApp. Text what you bought — it logs it, sorts it into categories and answers questions about your money. No extra app to download.
No app to download · works in the WhatsApp you already use
spending.chat
AI spending assistant
CORNER MARKET
spending.chat
Logged $62.00 under Groceries18:20spending.chat
Food this month: $318.4018:21spending.chat
Want a weekly summary every Monday?18:21Features
Everything a budget app does. Without the busywork.
Text it the way you’d text a friend, right in WhatsApp. The AI takes care of the rest.
Log by chatting
“Taxi 18” is all it takes. Amounts, places and notes are picked up from plain text.
- Amount
- $18.00
- Category
- Transport
- When
- Today, 18:42
Smart categories
Every expense is filed automatically — groceries, transport, subscriptions and more.
Any currency
Travelling? Log in the local currency and see everything in yours.
€12.00
$13.05
Coffee in Paris
£8.50
$10.80
Lunch in London
¥1,200
$8.10
Ramen in Tokyo
₺620
$18.10
Groceries in Istanbul
Ask anything
“What did I spend on rides last week?” Get a straight answer in seconds.
What did I spend on rides last week?
$46.20 across 5 rides
Monthly summaries
A clear picture of where your money went, broken down by category.
- Groceries38%
- Rent32%
- Eating out18%
- Other12%
Budgets that talk back
Set a limit for a category and get a heads-up before you go over it.
Heads-up: you’ve used 82% of your Eating out budget.
Debts & bills
Paid, pending, upcoming — reminded before every due date.
-
$1,200.00
Rent
Paid · Oct 1
-
$340.00
Credit card
Due Oct 12
-
$28.00
Phone bill
Due in 3 days
-
$45.00
Sam owes you
Pending
Reminder: credit card payment ($340) is due tomorrow.
How it works
Three steps. Zero spreadsheets.
-
101
Step 1
Send a WhatsApp message
Text what you spent, whenever you spend it. “Lunch 12.90” works — no app to install.
Lunch 12.90 -
202
Step 2
The AI organizes it
The amount, category and date are understood and recorded for you, instantly.
$12.90Lunch
Eating out · Today, 13:05
-
303
Step 3
Ask and understand
Ask about any week, month or category and see where your money goes.
How’s my week?
$86.40 on food
12% less than last week
See it in action
From email to WhatsApp in 30 seconds.
Pricing
Simple, transparent pricing.
One plan with everything included. No tiers, no add-ons, no surprises.
spending.chat
One planEverything you need to see where your money goes — in a chat.
What’s included
- Log expenses by chatting
- Automatic categories
- Ask anything about your money
- Monthly summaries
- Budgets and heads-ups
- Debt & bill reminders
- Any currency
- Works in WhatsApp
$29.99
$9.99 /month
for memberships started in 2026
+ applicable tax (VAT/sales tax), added at checkout based on your country and shown on your receipt.
Start nowOffer ends in
From January 1, 2027, new memberships start at $29.99/month.
One price, every feature
No tiers or add-ons
USD prices, tax added at checkout
FAQ
Questions, answered.
Everything you need to know about spending.chat. Can’t find your answer? Just ask.
Still have questions?
Write to us — a real person reads every message.
An AI-powered spending assistant that lives in WhatsApp. Instead of filling in forms, you send short messages about what you bought and ask questions about your money.
No. spending.chat works inside WhatsApp, so there’s nothing extra to install — you just chat.
Enter your email, pay securely with Paddle and you’ll get your WhatsApp link right away. It takes about 30 seconds.
One plan with every feature included. The regular price is $29.99 per month — memberships started in 2026 are $9.99 per month as a special launch offer. From January 1, 2027, new memberships start at $29.99.
No. Prices are shown without tax. Paddle, our payment provider and Merchant of Record, adds the tax that applies in your country at checkout — for example 20% KDV in Türkiye ($9.99 + $2.00 = $11.99 per month) or VAT in the EU. Before you pay you see the exact subtotal, tax and total, and your receipt lists the tax separately.
No. You simply tell spending.chat what you spent.
We use it to set up your membership and send your welcome email and receipts. Read the Privacy Policy and the KVKK notice for details.
Email us at support@spending.chat.
Start today. Lock in the 2026 price.
Enter your email, pay securely and start chatting on WhatsApp in seconds.
- Takes 10 seconds
- Only launch news, no spam
- $9.99/month instead of $29.99
spending.chat
2026 member
Membership
$9.99/month
$29.99