Smilo Budget & Expense Tracker
Contains adsIn-app purchases
Everyone
info
10+
Downloads
About this app
Smilo is a budget app and expense tracker that tells you what's safe to spend today: the money left after your bills and savings, as a daily budget until your next payday. No bank login, no spreadsheets.
Most budget planners show what you already spent. Smilo shows what you can still spend. Add your regular bills and a savings goal once, track spending in a few taps, and one number keeps you on budget every day. Ace, your AI money coach, is built in.
SAFE TO SPEND, EVERY DAY
• One clear number on Home: your safe-to-spend amount, your daily budget and the days left until payday
• An early warning when you're spending too fast: "Runs short in 5 days at this pace"
• Tap the line under it for a day-by-day forecast to payday
• Your accounts and your first savings goal right under it
A FAST EXPENSE TRACKER
• One screen with a calculator keypad: type it, tap Save, done
• "Another" for the next one, or long-press + to repeat your last expense
• Watch your safe-to-spend count down as you save: a spending tracker that answers back
A BILL TRACKER THAT WORKS FOR YOU
• Add rent, phone, gym and subscriptions as regular bills, as many as you need
• Bills come off before Smilo tells you what's safe to spend, so payday never surprises you
ACE, YOUR AI MONEY COACH
• Ask Ace "how am I doing this month?" and get an answer based on your own spending, not generic tips
• Ace notices things for you, like a budget running ahead of the month
• A monthly money report: where it went, how your savings did, one move for next month
• Ace only sees what you type. No bank data, ever.
BUDGET PLANNER AND SAVINGS GOALS
• A budget tracker with limits shown as bars, and a "Today" mark so you see if you're ahead or behind
• Savings goals with a clear status ("On track for Dec") that can save automatically every payday
• Spending charts, one tap from Home
BUILT AROUND YOUR PAYDAY
Most money managers reset on the 1st. Smilo runs on your pay cycle, whether you're paid on the 1st, the 15th or the 28th. Been away for a while? Three quick questions and your numbers are right again.
MOVING FROM ANOTHER EXPENSE TRACKER?
• Import from another money manager or money tracker with a CSV or Excel export, or fill in our template
• Export your history to CSV, free
NO BANK LOGIN
• Smilo never connects to your bank. You decide what gets logged.
• Your money data stays on your phone. It only leaves when you ask Ace something or back up to your own Google Drive.
• Ads use device identifiers, never your money data.
FREE, WITH SMILO PLUS FOR MORE
The free budget app includes expense tracking, 3 budget limits, unlimited regular bills, 3 accounts, 1 savings goal, 12 paydays of history, CSV export, a 7-day forecast and daily questions for Ace. The free version shows ads.
Smilo Plus (monthly, yearly or lifetime) adds the full day-by-day forecast to payday, Ace messaging you first when your pace or a bill will leave you short, more and longer Ace answers, automatic Google Drive backup, unlimited accounts, budgets and goals, every theme, and no ads.
Smilo gives general information and AI-generated insights based on the data you enter. It is not a licensed financial advisor, and nothing in the app is professional financial, investment, tax or legal advice.
Most budget planners show what you already spent. Smilo shows what you can still spend. Add your regular bills and a savings goal once, track spending in a few taps, and one number keeps you on budget every day. Ace, your AI money coach, is built in.
SAFE TO SPEND, EVERY DAY
• One clear number on Home: your safe-to-spend amount, your daily budget and the days left until payday
• An early warning when you're spending too fast: "Runs short in 5 days at this pace"
• Tap the line under it for a day-by-day forecast to payday
• Your accounts and your first savings goal right under it
A FAST EXPENSE TRACKER
• One screen with a calculator keypad: type it, tap Save, done
• "Another" for the next one, or long-press + to repeat your last expense
• Watch your safe-to-spend count down as you save: a spending tracker that answers back
A BILL TRACKER THAT WORKS FOR YOU
• Add rent, phone, gym and subscriptions as regular bills, as many as you need
• Bills come off before Smilo tells you what's safe to spend, so payday never surprises you
ACE, YOUR AI MONEY COACH
• Ask Ace "how am I doing this month?" and get an answer based on your own spending, not generic tips
• Ace notices things for you, like a budget running ahead of the month
• A monthly money report: where it went, how your savings did, one move for next month
• Ace only sees what you type. No bank data, ever.
BUDGET PLANNER AND SAVINGS GOALS
• A budget tracker with limits shown as bars, and a "Today" mark so you see if you're ahead or behind
• Savings goals with a clear status ("On track for Dec") that can save automatically every payday
• Spending charts, one tap from Home
BUILT AROUND YOUR PAYDAY
Most money managers reset on the 1st. Smilo runs on your pay cycle, whether you're paid on the 1st, the 15th or the 28th. Been away for a while? Three quick questions and your numbers are right again.
MOVING FROM ANOTHER EXPENSE TRACKER?
• Import from another money manager or money tracker with a CSV or Excel export, or fill in our template
• Export your history to CSV, free
NO BANK LOGIN
• Smilo never connects to your bank. You decide what gets logged.
• Your money data stays on your phone. It only leaves when you ask Ace something or back up to your own Google Drive.
• Ads use device identifiers, never your money data.
FREE, WITH SMILO PLUS FOR MORE
The free budget app includes expense tracking, 3 budget limits, unlimited regular bills, 3 accounts, 1 savings goal, 12 paydays of history, CSV export, a 7-day forecast and daily questions for Ace. The free version shows ads.
Smilo Plus (monthly, yearly or lifetime) adds the full day-by-day forecast to payday, Ace messaging you first when your pace or a bill will leave you short, more and longer Ace answers, automatic Google Drive backup, unlimited accounts, budgets and goals, every theme, and no ads.
Smilo gives general information and AI-generated insights based on the data you enter. It is not a licensed financial advisor, and nothing in the app is professional financial, investment, tax or legal advice.
Budget planner & bill tracker: what you can spend until payday. No bank login.
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
What’s new
🎃 Halloween is here: until 31 October Smilo wears pumpkin colours, with bats, a spider and a new app icon.
✨ Smilo Plus: pick from 21 new app icons for your home screen.
🗓️ Missed yesterday? Home helps you add it, and your free miss keeps the streak.
📱 New phone? Restore your Google Drive backup on the first screen.
🙂 A simpler Me page, swipeable accounts, light look by default and better large text.
✨ Smilo Plus: pick from 21 new app icons for your home screen.
🗓️ Missed yesterday? Home helps you add it, and your free miss keeps the streak.
📱 New phone? Restore your Google Drive backup on the first screen.
🙂 A simpler Me page, swipeable accounts, light look by default and better large text.
App support
About the developer
MALIK MUHAMMAD HUZAIFA
prismapptech@gmail.com
Street 09, Sector B, Askari 14
Rawalpindi, 46000
Pakistan
