Say it, snap the receipt, or drop a bank statement — Spendella categorises, forecasts your balance and tells you what to do next. You just confirm.
Any key action is two clicks away; adding an operation — always one, from any screen. No forms with twelve fields.
“Groceries 1 240 from the card” — the amount, category and account are parsed on the fly.
A photo becomes an operation: merchant, total, date, category. Rules learn from your edits.
The AI chat lives on every screen: log a spend, ask a question, get a chart back.
A health score, three key insights, and actions you can take in one tap. Tools are there when you want them — hidden when you don’t.
Spendella models the rest of the month from your recurring payments, credits and habits — and warns you before the gap, not after.
Charges you forgot about, found automatically.
AI proposes realistic limits from your own history — accept in one tap.
Monday morning: what changed, what to fix, three buttons to do it.
Move a slider — see when the goal lands and what it costs you monthly.
A category jumps 42% — you get a push the same day, not at month close.
Dashboard, transactions, budgets, goals, subscriptions, analytics, family — one system, one language.
“Groceries are 22% above the family average — mostly weekend delivery. Move ₽6 000 to the Vacation goal?”
a day is all the app needs
AI tools built into the screens
to any key action
free AI operations — no card, no trial
Five AI operations are open on the free plan — no blur, no countdown, no card.
Payment under the public offer; personal data — per the privacy policy.
Accounts, currency and first budgets are configured in a chat. On day one you already have a forecast, limits and a working dashboard.
No. Every account gets 5 AI operations — pick any tools you like, with real results and no blur.
Import a bank statement, snap receipts, or dictate. Auto-rules remember your choices: “Pyaterochka → Groceries” happens once.
Yes — shared budgets with roles, a per-member breakdown and separate personal spaces you switch between in one click.
Only you — and the people you invite to a shared budget. AI runs on Yandex Foundation Models: data is processed in Russia, as Russian law requires. Details are in the privacy policy and the personal-data consent.
In two clicks from the Plan section, any time. Your data and manual features stay on the free plan.