Smart Buddy: AI Budget & Money

OurCodeLab LLP

About this app

Smart Buddy is an all-in-one, privacy-focused personal finance manager. Combining AI document intelligence, automated bank statement scanning, investment tracking, loan payoff planning, and group trip expense splitting, Smart Buddy gives you complete visibility and control over your financial life.

Eliminate manual spreadsheets and tedious bookkeeping. Whether you are tracking global net worth, splitting dinner bills with friends in foreign currencies, or importing multi-page bank statements, Smart Buddy handles it in seconds.

CORE FEATURES

1. AI BANK & BROKERAGE STATEMENT SCANNER
- Multi-Page PDF & Image OCR: Import PDF statements and receipt images from banks and brokerages such as DBS, OCBC, UOB, Chase, Citibank, IBKR, Moomoo, and more.
- Zero Manual Entry: Automatically extracts transactions, account balances, dates, categories, counterparties, and investment holdings.
- Smart Reconciliation: Automated duplicate detection ensures accounts and balances remain accurate without double-counting.

2. GROUP TRIPS & SHARED EXPENSE SPLITTING
- Shared Trip Pools: Create expense pools for vacations, road trips, housemates, and group dinners.
- Multi-Currency with Live Forex: Record expenses in any currency (JPY, EUR, THB, USD, SGD) with automatic live exchange rates or custom credit card rates.
- 4 Flexible Split Models: Split costs Equally, by Percentage (%), Exact Monetary Amounts ($), or Custom Weighted Shares.
- Debt Simplification: Minimizes the total number of bilateral transactions needed to settle balances across the group.
- Partial & Full Debt Settlement: Record partial payments (for example, paying 100 of 1,000 owed) with payment presets, dates, and transaction notes.
- Instant Share Sheets: Export clean debt breakdowns and payment summaries directly to WhatsApp, Telegram, or Messages.

3. SPARKY - AI FINANCIAL ASSISTANT
- Conversational Voice & Text Assistant: Ask questions about your finances, such as "How much did I spend on dining this month?" or "What is my current net worth?"
- Voice Dictation: Speak directly to Sparky for hands-free queries and verbal financial summaries.

4. NET WORTH & CASH FLOW DASHBOARD
- Centralized Account Hub: Manage Checking, Savings, Credit Cards, Cash Wallets, and Brokerages in one dashboard.
- Multi-Currency Balances: Track global assets with live foreign currency conversions.
- Privacy Mode: Mask sensitive balances with a single tap.
- Cash Flow Analytics: Visualize monthly trends, categorized spending, and financial health metrics.

5. INVESTMENT & PORTFOLIO TRACKER
- Multi-Asset Monitoring: Track Stocks, ETFs, Crypto, and Mutual Funds across multiple brokerages.
- Real-Time Metrics: Monitor market values, cost basis, unrealized profit and loss, daily gains, and asset allocation weightings.

6. LOANS & DEBT PAYOFF PLANNER
- Structured Payoff Strategy: Track Mortgages, Student Loans, Auto Loans, and Personal Debts.
- Amortization Schedules: View payoff countdowns, total interest breakdowns, and projected debt-free dates.
- Payment Logs: Record extra principal payments to calculate accelerated payoff timelines.

7. RECURRING BILLS & FINANCIAL CALENDAR
- Subscription Detection: Automatically identifies recurring payments such as streaming services, gym memberships, utilities, and rent.
- Interactive Calendar: View upcoming due dates, scheduled transfers, and projected end-of-month cash balances.
- Bill Due Alerts: Receive notifications before payments are due to prevent late fees.

8. PRIVACY, SECURITY & ANDROID INTEGRATION
- On-Device Encrypted Storage: Your financial data remains private, local, and encrypted.
- Android Cloud Sync: Keep your data backed up securely across devices.
- P2P QR Code Sync: Transfer data directly between devices via secure offline QR code scanning with zero server retention.
- Android App Widgets: Monitor your net worth, view recent transactions, and trigger quick actions directly from your home screen.

What’s new

Welcome to Smart Buddy, a smarter way to manage your finance, and an all in one finance manager.