Spenco AI

Spenco is India's prediction-first money app. Connect your spending and Spenco forecasts your month-end balance, warns you when a spend looks unusual, and answers your money questions in plain English — all in INR, built around how Indians actually pay: UPI, cards, EMIs, and SIPs.

SEE MONTH-END BEFORE IT ARRIVES

• Cash-flow forecast: know today what your balance will look like on the 30th
• Spot the drift early — before the last-week-of-the-month squeeze
• Plan big spends with confidence, not guesswork

TRACKING THAT DOES THE WORK FOR YOU

• Forward your bank statement emails and Spenco reads them automatically
• Snap a photo of a bill or invoice and attach it to any transaction
• Clean, automatic categorisation — no spreadsheet upkeep
• Add transactions on the go, or via our Telegram bot

AI THAT SPEAKS YOUR LANGUAGE

• Ask anything: "How much did I spend on food this month?" "Can I afford a ₹40,000 phone?"
• Type it or just say it — voice input built in
• AI insights that surface unusual spends and quiet money leaks

YOUR FULL MONEY PICTURE

• Net worth tracking across accounts and investments
• Month planner to set targets and stay on them
• Smart alerts so surprises never stay hidden

PRIVATE BY DESIGN We sell the app, never your data. No ads, no data brokers, no selling your transactions to lenders. Your data is encrypted and secure.