From “where did it all go?” to a plan you can actually follow

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.

Only the card balances you actually carry are counted — not a card you pay off in full. The plan works out how many months it takes to clear them with interest and puts your spare money there first. Add your mortgage and its rate and it calculates your payoff date, flags whether it runs into retirement, and warns you if a payment would never clear the balance.

A trip, a car, a down payment: name it, set a target and a date, and SmartSpend AI works out the monthly amount, fits it into your budget, and checks your statements for the transfers that show you're on track.

No guessing which goal comes first. Clear the cards, build an emergency fund, then invest or save a down payment — each with a timeline, and your own goals funded alongside.

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.

What's due in the weeks ahead, unusual charges worth a second look, and a nudge when a new statement is ready to download.

Drop in a PDF bank or credit card statement and every transaction is read, dated and sorted for you — then checked against the statement's own printed totals. If a figure doesn't add up, it reads the statement again before saving anything.

Apps that link to your bank usually go through a data aggregator: you hand over your banking login or grant ongoing access, and a third party keeps pulling your transactions for as long as the link exists. SmartSpend AI never asks for your banking password and never connects to your bank. It sees only the statements you choose to upload. Google's Gemini AI service reads them, the copy in our storage is deleted once it's been read, and the offline copy on your phone is encrypted. Other users can never see your data, but it isn't hidden from the service's operator or its providers (AWS and Google), and the privacy page lists exactly what is handled and by whom.