Spendik • Smart AI Expense & Money Manager

Track Expenses & Finances with Voice & Smart AI

Log expenses by voice, auto-detect bank transaction alerts with instant OTP protection, manage inter-wallet transfers, and hit financial targets with intelligent savings goal pacing.

Download on Google Play

App Store iOS Coming Soon

Smart AI & Automation Engine Interactive Feature Demonstration

Live AI Intelligence

🎙️ Spoken Voice / Text Input

"Paid $45 for dinner at Italian Bistro with Credit Card and Alex lent me $100"

Smart AI Intent Parsing

🍝

Italian Bistro (Food & Dining)

Wallet: Credit Card

-$45.00

🤝 Debt Record: Alex owes me

+$100.00

How It Works in Spendik

Multi-Intent Result

The Smart AI Engine simultaneously extracts expense amounts, categorizes the merchant, assigns the credit card wallet, and creates a debt record for money lent.

Scenarios (1 to 6)

Automated & Private

Automated Notification Tracking with Zero-Data-Leak Privacy

Spendik listens to payment alert notifications from your selected banking apps and pre-populates expense drafts — without exposing sensitive personal information.

✓ 100% On-Device Parsing: Financial notifications are analyzed strictly on your local device. Raw notification texts never leave your phone.
✓ Instant OTP & 2FA Code Discard: Built-in privacy shield automatically identifies and discards one-time passwords and verification codes instantly.
✓ Account Suffix Matching: Matches transactions to the right wallet using masked suffixes (e.g. *4567) — no full account or card numbers ever collected.
✓ Custom App Whitelist: You control exactly which banking and digital wallet apps Spendik monitors.

🛡️

Privacy-First Notification Shield

Strict local filtering architecture

🏦

Bank Transaction Alert

"Paid $64.20 at Supermarket (*4567)"

Draft Created

🔐

OTP / 2FA Security Code

"Your verification code is 849201"

Dropped

💬

Personal Chat & Messages

Non-whitelisted applications

Ignored

Gemini 2.5 Flash Intelligence

Spendik AI Assistant Capabilities

Processes natural voice and text, remembers conversational context, and answers dynamic financial queries.

Multilingual Voice & Chat

Speak or type in your native language. Hold-to-speak guidance helps you effortlessly log expenses, income, transfers, and debts.

Global Language Engine

Dynamic Financial Queries

Ask conversational questions like "How much have I spent on groceries?" or "Show my income this month" with conversational context memory.

Contextual Inquiries

In-Chat Navigation & Actions

Ask the assistant to navigate to debts, view category budgets, create a wallet, or check savings progress with interactive in-chat action buttons.

Interactive Action Cards

Wallets, Transfers & Debts

Multi-Wallet Management & Inter-Account Transfers

Track all payment methods in one unified place — Cash, Digital Wallets, Cards, and Bank Accounts. Move money between accounts and keep debt records up to date.

✓ Inter-Wallet Transfers: Easily log money transferred from bank accounts to cash, digital wallets, or credit accounts with automatic balance updates.
✓ Masked Suffix Organization: Tag accounts with their 2-4 digit suffix (e.g. *4567) for automatic notification matching.
✓ Debt & Loan Tracker: Track who owes you money (*they owe me*) and who you owe (*I owe them*) with due-date reminders.

Spendik Multi-Account Hub

Real-time synchronized balances

🔄

Inter-Wallet Transfer

Chase Checking (*4567) → Cash

$250.00

💳

Credit / Digital Accounts

Auto-matched via notification alerts

Live Sync

🤝

Debts & Repayments

Partial payments & due alerts

Reminders

Budgets & Smart Savings Pacing

Gain full clarity over your finances with dynamic category budgets, savings goal pacing calculations, and priority tiers.

🎯

Dynamic Budget Caps

Set monthly spending limits with quick preset options. Get threshold notifications when you approach or exceed custom category limits.

Overbudget Alerts

📈

Goal Pacing & Deficit Tracking

Organize goals by Priority Tiers (High / Med / Low). Spendik calculates required monthly deposits and alerts you if you are facing a deficit.

Smart Target Pacing

📝

Drafts & Quick Deposits

Unfinished transactions are auto-saved as drafts with notification recovery reminders. Deposit into savings with one-tap quick save presets.

Zero Unfinished Loss