Now in private testing · join the waitlist
SmartSpend AI turns the statements your bank already gives you into a plan: what you can safely spend before payday, which forgotten charges are draining you, and a month-by-month path out of card debt and toward what you're saving for. No bank login required.
Features
Know you'll make it to payday, catch the charges you forgot about, and watch your card debt shrink and your savings grow — all from the statements you already download.
Before you say yes to dinner out, see the lowest your balance will reach in the next 30 days — after every paycheque and bill it can put a date on, walked day by day. No more rent landing the day before payday and catching you out.
Most people pay for more than they think. Subscriptions, utilities and fixed bills are detected from their billing rhythm, price increases are flagged, and you can mark anything you mean to cancel — money back in your pocket every month.
Every bank account and credit card, combined into one view: cash across all your accounts, what's owed on every card, where each month's money went and what's due next — month by month, so you can see what changed.
Your cash less what's owed on your cards, month by month — the honest answer to “am I better off than last month?” Plus how many months your cash would cover the essentials if your income stopped.
A short written summary of where you stand and what's changed, built only from your own figures — and honest about what it can't know.
Apps that link to your bank usually go through a data aggregator that keeps pulling your transactions. SmartSpend AI never asks for your banking password and never connects to your bank: it only sees the statements you choose to upload.
How it works
From your bank's or card's own app or website — the same PDF you'd file away. Your login stays with your bank.
Pick the PDF in SmartSpend AI. There's no account linking and nothing to authorize.
Google's Gemini AI reads every line, and the result is checked against the statement's printed totals. The copy of the PDF in our storage is deleted once it's read.
Every account and card combined into one overview, updated each time you add a statement.
Blog
Often it isn't an income problem — it's a timing problem. Rent, card payments and bills cluster before payday. Here's how to find your low point.
Most people underestimate what they spend on subscriptions by more than $100 a month. A 20-minute audit with last month's statements finds it.
Recurring bills rarely jump — they creep. A few dollars here and there can quietly add hundreds a year. Here's how to catch it.
Early access
It's in private testing now. Leave your name and email and you'll hear the moment it's ready.