AI Auto-Categorization
Every transaction is sorted into the right category instantly. The AI learns your habits, so the more you use it, the smarter it gets.
Spenzaa: Your New AI-Powered Expense Tracker
Your money, managed by intelligence, not spreadsheets. Stop guessing where your paycheck goes with our AI-powered automated budget app designed for real life. Spenzaa tracks every expense automatically, categorises it with AI, and tells you exactly where your money leaks — before it happens. Save smarter, spend better.
Free forever plan · No credit card required · iOS & Android
25,000+Active users
18%Avg. savings in 90 days
4.7★App store rating
₹150M+Expenses tracked
🎉 Early adopter offer · First 100 only
The first 100 people to sign up get 1 month of Pro free
A one-time launch reward for our earliest users. Download the app, create an account, and enter the code below — if you're among the first 100 to sign up, Spenzaa Pro is on us for a full 30 days.
Coupon codeFIRST100
Everything included in Pro
- Predictive end-of-month forecasting
- Unlimited AI Coach chats
- Unlimited connected accounts
- Unlimited voice expense entry
- Unlimited custom categories
- Ad-free experience
- Priority support
- Advanced spending insights
- Budget & category recommendations
- Export and import your data
✓ Cancel anytime • ✓ Secure payments • ✓ Your data stays private
Have an invite code from a friend instead? See the referral offer →
Spenzaa is a free AI expense tracker app for iOS and Android that automatically records, categorises and analyses every transaction — without any manual entry. It builds adaptive budgets from your real spending patterns, predicts your end-of-month balance, and includes SpenzaBook, a smart business credit ledger for tracking customer dues and supplier payments. Spenzaa users save an average of 18% within 90 days. Learn how it works →
✦ One App, Two Lives
Track personal and business money together
Spenzaa lets you watch your personal and work money in one place. It works as an overspending alert app to warn you when you are about to pass your budget. Also, the SpenzaBook feature acts as a simple business expense tracker app to log what you spend on your work. You can check your own money and your business money without opening two different programs.
See SpenzaBook →🔒 256-bit AES Encryption
🚫 Never Sells Your Data
⭐ 4.7★ on Google Play
🌍 12+ Countries
Everything your wallet wishes it could do
Six reasons 25,000+ people let Spenzaa handle the boring parts of money.
Smart Budgets
Spenzaa builds realistic budgets from your actual behavior — not wishful thinking — and adjusts them as life changes.
Predictive Insights
Get warned before you overspend. Spenzaa forecasts your end-of-month balance based on your spending velocity.
Receipt Scanning
Snap a photo and AI extracts the merchant, amount, date and items in seconds. Paper receipts, digitized forever.
Savings Goals
Set a goal — a trip, an emergency fund, a big purchase — and Spenzaa tracks your progress automatically alongside your everyday spending.
Bank-Grade Security
256-bit AES encryption, biometric lock, and a strict no-selling-data policy. Your money story stays yours.
SpenzaBook — Smart Business Ledger NEW
Give credit to customers, track supplier purchases, get AI-timed reminders and a real-time cash flow view — all inside Spenzaa. Your personal finance app just became your business ledger too.
✦ The App
A dashboard that actually understands you
Open Spenzaa and see your entire financial life in one glance — balances, budgets, trends and AI recommendations, beautifully organized.
- Real-time sync across all devices
- Multi-account & multi-currency support
- Custom categories, tags and notes
- Weekly AI money digest in plain English
- Export to CSV, PDF or your accountant
Up and running in 3 minutes
No spreadsheets. No manual entry marathons. Just connect and go.
1
Connect or add expenses
Link your accounts securely, scan receipts, or log expenses in two taps. Spenzaa works the way you do.
2
AI organizes everything
Transactions are categorized, recurring bills detected, and your spending patterns mapped — automatically.
3
Get smarter every day
Receive personalized insights, alerts and weekly digests that turn raw numbers into better decisions.
Loved by people who hate budgeting
Real reviews from Google Play.
"I tried six budget apps before Spenzaa. This is the first one that didn't feel like homework. The AI digest every Sunday is genius."
Priya R.Product Designer, Bengaluru
"The AI caught a price hike on one of my subscriptions before I'd even noticed the charge. Small thing, but it's saved me more than once."
Marcus K.Freelance Developer, Berlin
"As a couple we finally see our money in one place. The predictive budget warned us before our vacation month went sideways."
Sofia A.Teacher, Toronto
"96% categorization accuracy isn't marketing fluff — it's genuinely that good. The 4% it misses, I correct once and it remembers forever."
Rohan M.Software Engineer, Pune
"SpenzaBook replaced my paper khata completely. My customers get reminders on their own now instead of me chasing them every week."
Aisha K.Small Business Owner, Dubai
"The overspending alerts actually work. I get a nudge two days before I'd normally blow the month's budget on takeout."
James O.Marketing Manager, London
"I'm not a numbers person and this app doesn't make me feel like I need to be. Everything just makes sense at a glance."
Neha S.Homemaker, Mumbai
"On a student budget every rupee matters. Spenzaa found real money each month that I didn't know I was leaking on delivery fees."
Divya T.Grad Student, Sydney
"The Sunday digest is the only financial email I actually open. Plain English, no jargon, just what changed and why."
Kavya R.HR Manager, Hyderabad
Frequently asked questions
Is Spenzaa free to use?
Yes. Core expense tracking, AI categorization and budgeting are free forever. A Pro plan unlocks advanced forecasting, unlimited custom categories and priority support.
How does the AI categorize my expenses?
Our machine-learning engine reads each transaction's merchant, amount and pattern, assigns the right category automatically, and learns from every correction you make.
Is my financial data safe?
Yes. We use bank-grade 256-bit AES encryption, never sell your data, and you can delete your account and all associated data at any time.
Which devices does Spenzaa support?
iOS and Android apps, plus a web dashboard — all synced in real time.
Can Spenzaa really help me save money?
Users save an average of 18% in their first three months. The AI spots wasteful subscriptions, predicts overspending before it happens, and suggests realistic budgets you'll actually stick to.
Your money story stays yours.
We make money from subscriptions — not from selling your data. Our business model means our interests are 100% aligned with yours.
Encrypted
256-bit AES at rest. TLS 1.3 in transit. Bank-standard, always.
Never Sold
Your data is never sold to advertisers, data brokers or any third party. Period.
Transparent
We publish exactly what we collect, why, and who can see it — no fine-print surprises.
Delete Anytime
One tap to delete your account and every byte of your data. No waiting, no questions.
Start saving smarter today
Join 25,000+ people who stopped guessing and started knowing where their money goes.
Free forever plan · No credit card · 3-minute setup · Get early access
🔒 256-bit encryption⭐ 4.7★ rated🌍 12+ countries🚫 No data selling