Earn, spend, or save in more than one currency? SmartSpendr puts all your money into one total in your home currency, with an AI coach that works from your own numbers. No bank login needed.

SEE ALL YOUR MONEY
• All my money: every account and profile added up in your home currency, with live exchange rates.
• Your typical month: the average, lowest and highest month, with one-off income left out, so irregular income is easier to plan around.
• Paying abroad, or paying for subscriptions in another currency on a local card? See the original amount you were charged and what the conversion cost you.

IMPORT FROM YOUR BANK, WHEREVER YOU BANK
• SmartSpendr never asks for your bank login. Export a statement from your bank and import it instead.
• CSV, Excel, and QIF files are free and unlimited.
• Photos of receipts and PDF statements are read for you with AI, with three free reads to try. You always review every line before it is saved.
• Duplicates are flagged, and you choose which account the lines go into.
• Or add income, expenses, and transfers by hand in seconds, with a photo of the receipt.

A COACH THAT USES YOUR OWN NUMBERS
• One-tap answers, free and instant: Where did my money go? What changed since last month? Can I afford this? Make me a budget.
• Ask the AI Coach your own questions and follow-ups. It explains figures the app has already worked out from your records; the arithmetic is done in the app, not guessed.
• Apply a suggested budget to your categories in one tap, and undo it if you change your mind.
• Save for a goal: choose an amount, a date, and an account, and see how much to move each month.
• A heads-up before a big expense, and an optional monthly review on the 1st.

BUDGETS AND CONTROL
• Category budgets with alerts when you go over.
• Profiles for personal, business, family, and travel money.
• Export your records as PDF or CSV.
• Light and dark mode.

YOUR DATA
• Your records are stored in your account, and you can delete everything at any time with Delete My Data.
• The AI features are optional and ask for your consent. When you ask the Coach a question, the figures it needs are sent with it. With Pro's full record sharing, your records are sent too, without their descriptions.

FREE AND PRO
Annual Pro starts with a 7-day free trial, then renews at the price shown in the app.
Free includes 10 AI Coach questions and 3 AI reads of PDF statements or receipt photos (both lifetime), plus free one-tap answers and unlimited CSV, Excel, and QIF imports.
SmartSpendr Pro adds:
• Up to 60 AI Coach questions a day
• Unlimited AI reads of PDF statements and receipt photos
• Full record sharing with the Coach when you turn it on (descriptions are never shared)
• Export of your AI Coach chat history

Pro is an optional auto-renewing subscription. It renews automatically until you cancel it. You can manage or cancel it in Google Play under Payments and subscriptions.

Privacy Policy: https://www.smartspendr.app/Privacy-Policy/

SmartSpendr provides educational guidance only. It is not financial advice.