Budget, track, and grow your money — whether you get a salary, invoice clients, run a business, or just need to know where it all went.
Most people don't have a money problem. They have a visibility problem.
₹30K vanished and you have no idea where it went. Every month, same story.
Bank app, notes app, maybe a spreadsheet. Nothing talks to each other.
"I'll save what's left." Nothing's ever left. The cycle repeats.
Should I do SIP? FD? PPF? No one explains it for your exact situation.
No idea if you're overspending. You only find out when the balance hits zero.
Every rupee categorised. Charts show exactly where money went, down to the day.
Income, expenses, budget, investments — all in one dashboard. No juggling.
Budget splits savings before you spend. It's not what's left — it's what's first.
SIP, PPF, FD, gold — recommendations based on your actual numbers, not generic blogs.
AI predicts your month-end balance and warns you before you overshoot a budget.
One tap. Your data syncs to Firebase — access from any device, always.
Salary, freelance payments, rent income, pocket money — add as many as you have. Mix and match.
50/30/20, Indian Smart Split, or custom sliders. We split your total income into buckets instantly.
Log expenses in seconds. Then ask the AI advisor anything — in Hindi or English.
Three ways to split your money. Switch anytime. Works whether you earn ₹15,000 or ₹1,50,000.
Half for essentials, 30% to enjoy life, 20% straight into savings. Globally trusted, simple to follow.
Built for Indian reality — EMIs, SIPs, family commitments, and a dedicated emergency fund bucket.
Drag sliders to set your own percentages. Full control, zero judgement. Your money, your math.
Based on your total income and savings rate, Spenzo tells you exactly where your money should go — SIPs, PPF, emergency fund, gold. No generic advice.
From month-end panic to full clarity. Here's what changed.
Join thousands who stopped guessing and started knowing. Free forever.
Get Started Free