Spicci — Patrimonio e Spese

VisionLab.studio

In-app purchases

About this app

All your wealth in one place. Finally.

Expenses, accounts, investments, home and mortgage, pension fund: Spicci calculates your true net worth and keeps it updated daily—without ever asking you for your bank password.

💼 ALL YOUR WEALTH, NOT JUST EXPENSES
Budget apps only look at your checking account; portfolio trackers only look at your stock market. Spicci brings together your true financial life: income and expenses, account balances, investment portfolio, assets like your home and car, mortgages and loans, even your pension fund. The result is a number no other app gives you: your net worth, with all its history.

🪄 IMPORT EVERYTHING, WITH PHOTOS, DICTION, OR AUTOMATICALLY
Drag and drop your bank statement or broker export—CSV, Excel, even PDFs (yes, even those from Trade Republic)—and Spicci automatically figures out what's inside: expenses, ETF purchases, deposits. Or write "€35 for gas yesterday," take a photo of a receipt, dictate. No open banking, no passwords: just use the files you already have.

💸 EXPENSES AND BUDGETS UNDER CONTROL
Understand where your money goes and how much you save each month: categories and subcategories customized to your needs, budgets with alerts, recurring subscriptions you can create yourself—with alerts if a fee increases and where you can optimize. And transfers aren't expenses: you move money between your accounts and the totals stay clean.

📈 INVESTMENTS: STOCKS, BONDS, FUNDS, ETFs, AND CRYPTOS
Portfolio with self-updating prices, PAC, properly calculated average book value and yield, automatic multi-currency, dividend calendar, capital gains, and capital losses with the Italian tax drawer. And an honest benchmark: your portfolio against a global ETF purchased on the same days as you, with the same figures as you.

🛡️ THE PENSION FUND THAT NO ONE TRACKS
Negotiated, open-ended, and PIP funds with the COVIP catalog: how much you've paid in (including severance pay), how much you'll receive in retirement, a comparison of your fund's costs, and how much you should pay to deduct up to €5,164 per year.

🏠 HOUSE, CAR, MORTGAGES, AND LOANS
Assets become part of your assets, debts are subtracted. For each mortgage or loan, you can see the installment, balance, total interest, and the date you'll be free.

🤖 AN ASSISTANT THAT ANSWERS WITH YOUR NUMBERS
"How much did I spend on restaurants in May?" The AI ​​assistant opens your data, recalculates the accounts, and responds with the exact figures—and draws a graph directly in your chat. Facts, not advice.

🇪🇺 DATA IN EUROPE, TRUE PRIVACY
All Spicci AI runs on servers in Europe: your financial data never leaves the EU, isn't trained on any models, and isn't sold to anyone. Two-step verification (2FA) and full export of your data whenever you want: it's yours, even if you decide to leave one day.

🇮🇹 MADE IN ITALY
Italian tax authorities, COVIP pension funds, Italian and European banks and brokers (Fineco, Directa, Trade Republic, Degiro, Interactive Brokers, etc.): Spicci speaks the language of your money.

💶 FREE, FOREVER
With the Free plan, you can see all your assets: up to 10 investment securities, plus unlimited assets, liquidity, debt, and pension funds. No credit card required. With Pro, you can unlock unlimited securities, tax drawer, benchmarks, dividends, and unlimited AI.

Download Spicci and discover the true value of your assets: all it takes is two minutes and a file you already have.

What’s new

Fix: immagine del profilo poteva non comparire in alcune casistiche