Smart Money is a budget planner and expense tracker built for Jewish families. Maaser and tzedakah are tracked right next to your budget, the Hebrew year is supported, and the whole app works in Hebrew and English.

It is your family's financial home: one place for what came in, what went out, what was given, and what is actually left. Transactions come in from WhatsApp, text messages and your bank, and a built-in AI agent both answers questions about your money and does the work for you.

MADE FOR JEWISH FAMILIES
- Maaser (ma'aser kesafim) and tzedakah tracking, as part of your budget and not in a separate spreadsheet.
- The Hebrew year is supported, so your giving follows the calendar you actually use.
- Hebrew and English throughout, right-to-left done properly.
- Bank statements from Israel, Canada and the US, for families with accounts in more than one country.

ADD TRANSACTIONS FROM ANYWHERE
- WhatsApp: send a message and the transaction is recorded.
- SMS: text a transaction in, or have your bank's SMS alerts turned into transactions.
- Bank sync: let a connected bank fill it in for you, with no manual entry.
- Or type it, speak it, or photograph the receipt.
- Import bank statements as PDF or spreadsheet, several files at once.

BUILT-IN AI AGENT
- An AI agent lives inside Smart Money. Ask about your money in plain language and get an answer computed from your own transactions, with the rows to check it against.
- It also acts for you: tell it to add a transaction or create a budget, and it is done.

BUDGET PLANNER
- Budgets that carry over. Money does not reset on the 1st of the month, and neither does your balance here.
- See what is left in each budget at any moment, not only at the end of the month.
- Forecasts that show what next month looks like before it arrives.

NET WORTH TRACKER
- Net worth in one view: accounts, assets, debts and investments together.
- Follow how your household finances change over time.

REPORTS ON YOUR SCHEDULE
- Scheduled reports by email or WhatsApp, on the day and hour you choose.

BUILT AROUND YOUR PRIVACY
- We never receive your bank username or password. Connections go through regulated providers.
- We do not sell your data and we do not share it for advertising.
- Optional client-side encryption for your most sensitive figures.
- Export everything you have, any time, as JSON or CSV.
- Delete your account and its data yourself, from inside the app.

WHO IT IS FOR
Smart Money is for Jewish couples and families who want the household budget, maaser and tzedakah in one place, and for anyone who wants to track spending and savings without a spreadsheet.

Smart Money is an educational personal-finance tool. It is not financial, investment or tax advice, and we are not a bank or a registered adviser.