Send "coffee 80" and it's logged. Ask "how much this month?" and it answers. No app to download. No forms. Just talk.
Type naturally. Zomato 340 or paid 1200 rent or coffee 80 yesterday. Any format works.
Spendly understands your message, extracts the amount, picks the right category, and saves it instantly.
Ask how much this month? or compare last 3 months. Or open the web dashboard for charts.
No rigid format. Type however you think.
Food, Transport, Shopping — AI picks the right one.
Log multiple expenses in one message.
Get warned at 80% and when you exceed limits.
Charts, trends, and full transaction history.
Identity hashing — your data can't be linked back to you.
Download all your data anytime, no lock-in.
Set bill reminders conversationally. "Electricity bill due 10th remind me" — done.
Works inside Telegram and WhatsApp. Nothing to install, ever.
Built with
AGPL-3.0 · View on GitHub →
Telegram: Open @SpendlyFinBot and tap Start.
WhatsApp: Tap this link and send "Hi".
Takes about 45 seconds to set up.
No. Spendly works entirely inside Telegram or WhatsApp. Nothing to install.
Just type naturally — coffee 80 · paid 1200 rent · Zomato 340 yesterday. You can also send multiple expenses in one message on separate lines.
You don't need to remember slash commands — just type naturally:
summary · menu · last · budget · undo · export · help · feedback
Or use the / prefix — both work.
Yes, but they're separate accounts right now — transactions don't sync between platforms. Pick one and stick with it. Account linking is on the roadmap.
Yes. Your Telegram ID and WhatsApp number are never stored — only a one-way cryptographic hash. Even we can't reverse it to identify you. You can export and delete your data anytime.
We use it to show relevant insights later — spending patterns vary a lot by life stage. It's completely optional and never shared with anyone.
Yes! Just mention it in your message — coffee 80 upi · amazon 2000 credit card · lunch 350 cash. You can also set a default payment method with /setpayment so you don't have to type it every time. Business expenses? Just add "business" — aws 5000 business.
Yes, completely free for personal use. No credit card, no signup, no hidden fees.
Send a voice note — Spendly transcribes and logs it instantly.
Photo a bill — AI extracts items, amounts and date automatically.
Share a household budget and track expenses together.
Use both Telegram and WhatsApp with one unified account.
"Dinner 3600 split with Priya" — tracks who owes what.
Unlimited reminders, recurring alerts, and proactive weekly insights.
Have a feature request? Tell us →
No signup. No credit card. Just open the bot and send your first expense.
✈ Open @SpendlyFinBot 💬 Chat on WhatsAppFree to use · Open source · AGPL-3.0