Everything Spenzo does, in one friendly app
From your daily spending answer to AI-powered guidance — here’s how each piece helps you stay in control.
Daily Dashboard
Know what you can safely spend today.
A single home screen that answers the only question that matters in the moment — is it okay to spend right now?
- Available to spend
- Daily allowance
- Spent today
- Budget used
Available to spend
€1,240
7 days left in this cycle
Daily allowance
€48
Spent today
€22
Budget used
61%
Smart Budgets
Plan your money around your actual pay cycle.
Build budgets that follow how you really get paid — weekly, bi-weekly or monthly — instead of a rigid calendar month.
- Income
- Planned expenses
- Planned savings
- Not yet assigned
This pay cycle
Bi-weeklyReceipt Scanner
Snap a receipt. Spenzo fills in the details.
Point your camera at a receipt and let AI read the merchant, amount, date and category — no manual typing.
- Merchant
- Amount
- Date
- Category & confidence
Scanned receipt
Read in 1.2s
Savings Planner
Turn goals into weekly saving plans.
Set a target and Spenzo works out the weekly saving that gets you there — and shows if you’re on track.
- Target amount
- Saved so far
- Weekly saving
- Shortfall
New apartment fund
On track
Weekly saving
€75
Shortfall
None
Transactions
Track expenses, income, transfers and recurring payments.
Every movement in one clean, grouped list — with filters to find exactly what you’re looking for.
- Grouped by day
- Smart filters
- Recurring flags
- Quick edits
Cycle log
Lunch — Café Rosa
Today · Food
Fuel
Today · Transport
Salary
Yesterday · Income
Electricity
Yesterday · Bills
AI Coach
Get simple, actionable money suggestions.
A friendly assistant that reads your patterns and offers clear next steps — in plain language, never jargon.
- Daily insight
- Decision cards
- Chat about your money
- No spreadsheets
AI Coach
NewYou’re spending a bit faster on dining out this cycle. Setting aside €15/week keeps your apartment goal on track without cutting the fun.
Analytics
Understand your spending patterns.
See where your money actually goes over time, spot recurring drains, and track your overall financial health.
- Top spending
- Recurring payments
- Trends over time
- Financial health
Top spending
HealthyBills & Reminders
Stay ahead of upcoming bills.
Keep every upcoming bill in view and get a nudge before it’s due, so nothing slips through the cracks.
- Due dates
- Amounts
- Email reminders
- Never miss a payment
Upcoming bills
Rent
Due in 3 days
Internet
Due in 6 days
Gym
Paid