AI-Powered Personal Finance

Know where
your money goes.
Fix it automatically.

Spendr is your AI money coach — not just a tracker. It understands your spending habits, flags bad patterns, and tells you exactly what to change.

Get Early Access See Features

Free plan available. No credit card required.

Saved this month
+ Rp 1.200.000
MARCH 2026
TOTAL BALANCE
Rp 8.240.000
INCOME
+14.5jt
EXPENSES
−6.3jt
AI Insight
Food spending is up 27% this week. You'll exceed your budget by Rp 320k if this continues.
RECENT
🍔
GrabFood
Food & Drinks
−45k
💼
Salary
Income
+14.5jt
🏠
Kos Bulanan
Housing
−2jt
Home
Activity
Wallet
Insights
AI Coach
Financial Score: 72
v1
MVP Complete
6
Core feature modules
9+
Spending categories
23–35
Target age range
Who It's For

Built for young Indonesian
professionals

You earn well. You just don't know where it all goes. Spendr fixes that.

Persona 1 — The Earner
Age 23–35 · IDR 5M–30M/month
Doesn't know monthly spending pattern
Overspends on lifestyle without realizing
Hates complicated finance apps
Wants to feel financially "in control"
Wants to build savings without effort
Spendr's Answer
Clarity without complexity
Log a transaction in 5 seconds, 3 ways
AI surfaces patterns you'd never notice
Ask "can I afford this?" and get a real answer
Financial Health Score shows progress over time
Your data stays encrypted. Always.
Features

From passive tracker
to active money coach

Every feature exists to reduce friction and increase financial awareness.

AI Insight Engine
Rule-based intelligence surfaces spending patterns, budget forecasts, and behavioral flags. "Your food spending is up 27% — you'll blow your budget by March 20." This is the core differentiator from a dumb tracker.
v2 — Coming next
Quick Manual Input
Tap the FAB, pick category, type amount — logged in under 5 seconds. Quick Add shortcuts auto-fill repeat transactions like coffee and lunch.
AI Chat Logging
Type "lunch 45k" or "Can I afford a PS5 this month?" and Spendr parses it into a transaction or gives you a budget-aware answer.
v3 — Planned
Receipt Scanner
Point at any receipt. OCR extracts merchant, amount, and category automatically. No typing at all.
v3 — Planned
Budget Tracking
Set monthly limits per category. Visual progress bars. Budget alerts via push notifications before you overspend.
Financial Health Score
0–100 score based on savings rate, lifestyle ratio, budget discipline, and income stability. Track improvement over time.
v2 — Coming next
Spending Analytics
Monthly income vs expense bar charts across 6 months. Category breakdowns. Subscription detection for recurring charges.
Roadmap

From tracker to
financial intelligence platform

More intelligence, less effort — with every update we ship.

Available Now
Track your spending
The foundation. Everything you need to know where your money actually goes.
  • Log income & expenses
  • Multiple accounts & wallets
  • Budget tracking per category
  • Monthly spending summary
Coming Soon
Understand your habits
The app starts noticing patterns you'd never spot yourself.
  • AI Insight Cards
  • Financial Health Score
  • Spending Personality Report
  • Subscription Detection
  • Budget push alerts
Planned
Log without typing
Snap a receipt or just say it — Spendr handles the rest.
  • Receipt Scanner (OCR)
  • Chat-to-log ("Lunch 45k")
  • Smart Budget Suggestions
  • Transaction Search
Planned
Your AI money coach
Ask anything. Get budget-aware answers in plain language.
  • "Can I afford a PS5 this month?"
  • Financial Goals & progress
  • Spending Forecast
  • Personalized recommendations
Future
Financial autopilot
Set your savings goal. Spendr dynamically adjusts everything else.
  • AI Spending Autopilot
  • Dynamic budget adjustment
  • Investment recommendations
How It Works

Zero to financial clarity
in four steps

1
Sign in with Google
One tap, no forms. Your account is ready immediately.
2
Add your accounts
Bank accounts, e-wallets, cash — set balances once and Spendr tracks the rest.
3
Log transactions
Manual in 5 seconds, scan a receipt, or type in plain language. Your call.
4
Let AI coach you
Weekly insights, budget alerts, and spending patterns surface automatically. No effort required.
Pricing

Simple, honest pricing

Start free. Upgrade when the AI features earn their keep.

Free
Rp 0 / month
Everything to get started tracking.
  • Manual transaction input
  • Up to 3 accounts
  • Budget tracking (5 categories)
  • Monthly summary
  • 3 months transaction history
  • AI Insight Engine
  • Receipt scanner
  • Financial Health Score
Get Started Free
Most Popular
Premium
Rp 29.000 / month
For people serious about financial health.
  • Everything in Free
  • AI Insight Engine
  • Financial Health Score
  • Spending personality report
  • Receipt scanner (OCR)
  • AI chat coach
  • Unlimited accounts + history
  • Budget push notifications
Join Waitlist
Goals (Add-on)
Rp 9.000 / month
Add financial goals to any plan. Emergency fund, gadgets, vacation — with monthly targets and progress tracking.
  • Unlimited financial goals
  • Progress tracking
  • Monthly contribution targets
  • AI forecast to deadline
Coming in v4
Launching Soon

Your money deserves
a smarter coach.

Join the waitlist. Get notified at launch and secure early access pricing.

No spam. Early access pricing locked in for waitlist members.