AI Expense Tracker

Most expense apps fail for one simple reason: the logging itself is work. Open the app, tap through a form, choose a category, pick an account, type the amount — repeat that three or four times a day and most people quietly stop within a month. An AI expense tracker removes that friction: Spendik turns a single spoken or typed sentence into finished, categorised transactions, so a complete record costs seconds instead of minutes.

One sentence, several transactions

Spendik's core is multi-intent parsing. Real spending rarely happens one neat item at a time, so you do not have to log it that way. Say "Paid $45 for dinner, $20 for the Uber home, and Alex owes me $30" and Spendik creates a food expense, a transport expense and a $30 debt owed by Alex — each with its own amount, category and wallet. The same works for income: "Received my salary into Chase and moved $200 to savings" becomes an income entry and a wallet transfer, not a confusing single note you have to decode later.

Ask your money questions, in your language

A tracker that only stores data is half the job. Spendik includes a multilingual AI chat you can interrogate: "How much did I spend on food this month?" or "What did Netflix and my other subscriptions cost me this quarter?" Because every transaction is already categorised, answers come from your real records — your Zara and Starbucks spending, your Uber rides, your PayPal and Revolut transfers — not estimates.

Bank alerts become drafts — with Pro

With Spendik Pro, the app can also read transaction alert notifications from your banking and wallet apps — such as Chase, PayPal, Revolut or Wise — and prepare a draft transaction for you to approve in one tap. Parsing happens on-device, and Spendik's security shield automatically discards any notification containing an OTP or verification code. To be clear: auto-detect is a Pro feature, not part of the free plan. Free users get expense and income tracking, AI voice and chat logging with limits, and the budgeting tools below.

More than logging: wallets, debts, budgets and goals

Accurate logging matters because everything else is built on it. Spendik keeps multiple wallets in multiple currencies, with clean transfers between them. Its debt tracker records who owes you and who you owe, with names like Alex or Emma. Category budgets warn you before you overspend, and savings goals show whether you are ahead of pace or falling behind. Encrypted cloud sync keeps it all backed up.

Who Spendik is for

Spendik suits anyone who has tried a manual tracker and stopped: busy professionals, freelancers juggling several accounts and currencies, students sharing costs with friends, and families who want one clear picture of where the money goes. See the full feature list and pricing on the homepage, compare it with a manual approach on our Spendik vs manual wallet apps page, or read more about logging hands-free on our voice expense tracker page.