2026 launch offer: $9.99/month instead of $29.99 — only for memberships started in 2026.

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spending.chat

A budget app that talks back

A budget only works if you know where you stand before you overspend. spending.chat keeps your budget in WhatsApp and tells you when a category is running low.

Start budgeting in WhatsApp

Set a budget in one message

Tell the assistant your limit — for example a monthly budget for eating out — and every expense you log counts against it. When you reach most of the limit you get a heads-up in the chat.

A spending tracker that keeps itself up to date

Spreadsheet and Google Sheets spending trackers only work if you fill them in. Here you log purchases by texting, so your budget is always current without opening a file.

See your month at a glance

  • Monthly summary by category
  • Week-over-week comparisons when you ask
  • Totals in your own currency, even for purchases abroad
  • Reminders for bills and money people owe you

Frequently asked questions

Does this budget app connect to my bank?

No. You log what you spend by message, so no bank connection or card access is needed.

Can I replace my budget spreadsheet with it?

Yes. Categories, totals and monthly summaries are produced automatically from your messages.

How quickly can I start?

Enter your email, pay securely and you get your WhatsApp link right away — about 30 seconds.

Start budgeting in WhatsApp

Enter your email, pay securely and start chatting on WhatsApp in seconds.

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