An AI expense tracker you can just talk to
Traditional expense tracker apps make you pick a category, type an amount and tap save. An AI expense tracker understands a normal sentence instead — “dinner with Sam 42” is enough.
Try the AI expense trackerWhat makes it an AI expense tracker?
spending.chat reads plain text the way a person would. It pulls out the amount, currency, category and a short note, so you never fill in a form. Because it understands questions too, you can ask “What did I spend on rides last week?” instead of digging through charts.
Features
- Log by chatting — amounts, places and notes from plain text
- Smart categories — every expense filed automatically
- Ask anything — straight answers about any week, month or category
- Monthly summaries — where your money went, by category
- Budgets that talk back — a heads-up before you overspend
- Debts & bills — reminders before due dates
An expense tracker app without the app
It runs inside WhatsApp, so there is nothing to install and nothing new to learn. If you can send a text, you can track your spending.
Pricing
One plan with every feature. Memberships started in 2026 are $9.99/month (regular price $29.99), tax added at checkout. Cancel anytime, with a 14-day money-back guarantee. See pricing.
Frequently asked questions
Is there a free AI expense tracker?
spending.chat is a paid membership with one plan. In exchange there are no ads, no tiers and no bank connection required.
Do you sell my data?
No. We never sell your personal data. See the Privacy Policy for details.
Can couples share one tracker?
Each membership is linked to one WhatsApp number today. Write to support@spending.chat if you want shared tracking — it helps us prioritise it.
Try the AI expense tracker
Enter your email, pay securely and start chatting on WhatsApp in seconds.
See pricing