Income
What came in, from salary to side work.
Manual by default
You choose what gets recorded.
Answers from your entries
No generic advice dressed up as insight.
Leave whenever you want
Delete your account and your data from Settings.
The simple model
One place for the whole money picture.
Every entry has a job. Spends keeps the categories clear so your questions can be clear too.
Save
What you moved aside for a future you care about.
Expense
What you spent to live, work, and enjoy the month.
Debt
What you owe, and what you are paying down.
The useful part
Numbers become decisions when they have context.
Spends connects the record to the reason. That is how a question becomes an answer you can act on.
See your context in actionYou askedCan I afford a weekend away?
Goal in mindBuild a six month runway
JOJI answeredKeep the trip under ₹4,000.
The problem worth solving
Money tracking should feel personal, not invasive.
Spends helps you build a daily money habit without handing over bank or UPI access, and without letting an AI make decisions on your behalf.
No bank or UPI access
No autonomous decisions
What Spends can do
Simple tools for a fuller money picture.
Track the facts, keep the context, and ask for help when you are ready.
Ask JOJI
Ask about totals, patterns, affordability, tradeoffs, goals, and what changed. Answers are grounded in your records.
Log money in seconds
Add income, expenses, savings, and debt-related payments by typing, speaking, or using the add form.
Learn your categories
Use your own expense categories and income sources. Spends suggests a category and lets you correct it.
Track accounts and cards
Keep manual balances and payment methods visible without connecting the app to your bank.
Set monthly budgets
Create category limits, review what is left, and use your past activity to shape a more realistic month.
Keep goals in view
Record savings goals and priorities so conversations can protect what matters to you.
Plan future money
Note upcoming trips, celebrations, repairs, insurance, or expected income before they surprise the month.
Track recurring obligations
Keep subscriptions, SIPs, EMIs, rent, insurance, and other repeated commitments in one place.
See activity clearly
Filter entries by period, type, and category, then inspect the transactions behind a total.
Review patterns and alerts
Use daily tips, notifications, and monthly analysis to notice changes without constant nudging.
Edit before anything changes
AI can explain and prepare ideas. Financial writes stay under your control and can be corrected or deleted.
Export your records
Download your tracked data as CSV and use optional Google Sheet backup when you choose it.
Manage privacy yourself
Use profile controls, optional app lock, account deletion, and clear data controls without a support ticket.
Use your voice
Say an amount and what it was for. Spends can turn a short voice note into a structured entry.
Make the app yours
Manage your profile, categories, appearance, lock settings, exports, and sharing from one place.
Meet JOJI
A better question starts with better context.
JOJI reads the money story you choose to keep, then gives you a practical answer without taking over.
JOJI is“Not a dashboard. Not a chatbot. A money companion you can direct.”
Read-only, grounded in your entries.
JOJI
Read only
You
How much can I spend on eating out this month?
JOJI
You have ₹2,600 left in your eating out plan. That keeps your savings goal on pace.
You
What changed from last month?
JOJI
Food was ₹840 lower. Your debt payment was ₹1,200 higher. Your next move is still the same.
The conversation
Ask about what happened. Decide what happens next.
Start with a simple question. Get an answer that uses your entries, your plans, and the life priorities you have shared.
Ask your first questionYour context
Your money is not just a set of transactions.
Tell Spends what matters. Your priorities, goals, and past decisions help every answer become more personal over time.
Add your context
What Spends remembers
Private to you
PriorityBuild a six month runway
Next milestoneMove homes in November
Past decisionCut back on food delivery
PreferenceKeep advice practical
The clear promise
Your money is not the business model.
Spends is built to help you understand your money, not to sell you another financial product.
01
No bank permission
Log what you want to track. No bank account or SMS inbox is required.
02
No ads or loan spam
Your entries are not a reason to put a product in front of you.
03
Your data stays yours
Review the full policy, use optional backup, and delete your account from Settings.
FAQs
Questions before you start.
What is Spends?
Spends is an India-first money companion for tracking income, saving, spending, and debt, then asking questions about the records you keep.
Does Spends connect to my bank or UPI?
No. Spends is designed around manual tracking. It does not require bank login, UPI access, or SMS access to work.
What can I ask JOJI?
You can ask about totals, categories, monthly patterns, affordability, savings consistency, goals, debt payments, and the decisions you have already recorded.
Does JOJI make changes automatically?
No. JOJI is read-only. When a future action is supported, you review it and remain responsible for the final change.
What does Spends remember?
Only the context you choose to share, such as priorities, goals, life events, and past decisions. You can review and remove that context in the app.
Can I use Spends without setting a budget?
Yes. Start by logging a few transactions. Budgets, goals, recurring obligations, and context are there when they become useful.
Can I export or delete my data?
Yes. You can export your records, clear data, or delete your account from the app. Account deletion permanently removes your app-scoped data.
Your money can answer back.
Track one entry. Then ask one question. That is enough to begin.
Open Spends