Your personal finance assistant
Understand your money.
Without doing the math.
Import your transactions and ask what you want to know. Spendpal organizes your data and does the math for you.
a monthFree in beta
- No bank connection required
- Import from file
- Privacy by design
Why did I spend so much this month?
In August you spent €419 more than in July. But that's not the full story.
- Restaurants€90 owed back+€186
- HomeOne-off+€142
- TransportRecurring+€91
Spent more than July+€419
One-off: boiler repair−€142
Still owed by Luca and Sara−€90
Your real increase€187
That's eating out more often (+€96) and your new monthly train pass (+€91).
Your money doesn't need another dashboard.
Ask in plain language and get clear answers, with the numbers that matter.
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How much did I spend on this trip?
Lisbon, 9–16 August
€1,284
- Accommodation€620
- Restaurants€384
- Activities€168
- Transport€112
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Has everyone paid me back?
September dinner
3 of 4
- Giulia€45
- Marco€45
- Sara€45
- Lucapending · €45
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How can I save €500 a month?
Three areas found
€520 a month
- Restaurants€240
- Subscriptions€160
- Delivery€120
More than a conversation
You can also tell it what to do.
Spendpal can also take actions on your data.
- Import this bank statement
- Move all Netflix from needs to wants
- Link this refund
- Create a category for these expenses
Import this bank statement
- POS ESSELUNGA MILANO 2391Groceries−€62.40
- NETFLIX.COM AMSTERDAMEntertainment−€13.99
- TRANSFER FROM LUCA B. DINNERRefunds+€45.00
- TRENITALIA WEB 88213Transport−€29.90
124 transactions imported and categorized
Move all Netflix from needs to wants
- NETFLIX.COM · 12 Juneneedswants−€13.99
- NETFLIX.COM · 12 Julyneedswants−€13.99
- NETFLIX.COM · 12 Augustneedswants−€13.99
- NETFLIX.COM · 12 Septemberneedswants−€13.99
4 transactions updated, undoable from history
Plan ahead
When you need to, look ahead.
Run a simulation on your real data and see the impact of your choices.
If I spend €3,000 on a holiday, how much will I have left until the house closing?
- Lowest balance
- Balance on 31 March
Secure, transparent, in your hands.
Your data stays yours.
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Import from your files
No bank connection needed: an export from your bank or card is enough.
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Numbers you can trust
Spendpal's engines do the math, and every figure shows its transactions.
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Every change is tracked
Imports and corrections go into the history. You can undo the last one.
AI interprets. Spendpal does the math.
Premium is free while we're in beta.
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Free in beta
Premium
The complete assistant for your everyday money.
a month€0a month
for the whole beta
Join free- 10 accounts and cards
- 200 assistant messages a month
- AI categorization of 500 transactions a month
- Cash-flow forecasts up to 24 months
- Chat inside your future plan
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Coming soon
Ultra
Deep analysis and long-term planning, without limits.
- Unlimited accounts and cards
- 1,000 assistant messages a month
- 50 AI deep analyses a month
- Unlimited long-term capital plans
Frequently asked questions
Spendpal, privacy and the beta.
What is Spendpal?
A personal finance assistant. Import your transactions, ask in plain language and get answers, actions and simulations.
How does the AI work?
It understands your request and uses Spendpal's tools to search, categorize or analyze your transactions, using only the data it needs.
Does the AI really do the math?
No. The AI interprets your request, Spendpal's engines calculate the numbers. No vague estimates.
Do I have to connect my bank?
No. Just import the files you export from your bank or card.
Which files can I import?
CSV, TSV and JSON, even when the layout changes from bank to bank.
Is my data private?
Yes. It stays in your own archive and is only used for the features you ask for.
Can I correct or undo changes?
Yes. Every change goes into the history, and the last one can be undone.
Does Spendpal handle credit cards, transfers and refunds?
Yes. It separates card purchases from card payments, recognizes transfers and links refunds, so nothing is counted twice.
How much does Spendpal cost?
Premium will cost a month, but it's free during the beta. We'll tell you what changes before the beta ends.
Private beta · free
Join the beta. Premium is free.
Every Premium feature, no cost, for the whole beta.
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Premium a month, free during the beta. No commitment.