Your daily money assistant
Spend smarter. Save better. Stay in control.
Spenzo helps you plan your budget, track spending, scan receipts, and get simple AI-powered money guidance every day.
10-day free trial · No card required to explore
Available to spend
€1,240
7 days left in this cycle
Daily allowance
€48
Spent today
€22
Money shouldn’t feel like a guessing game
Most of us don’t really know where our money goes until it’s gone. Bills, subscriptions, goals and everyday spending end up scattered across apps, tabs and receipts.
It’s hard to see the full picture
Spending, income, transfers and recurring payments live in different places, so the real number is always fuzzy.
Traditional budgeting feels like homework
Spreadsheets and complex charts take effort to maintain and rarely tell you what to actually do today.
You want guidance, not just graphs
What you really need is a simple daily answer: is it safe to spend right now — and where can I do better?
Spenzo turns all of it into one calm, friendly view — and a little AI nudge when it helps.
Everything you need to feel on top of your money
Eight thoughtfully-designed tools that work together — simple on the surface, smart underneath.
Daily Dashboard
Know what you can safely spend today.
Smart Budgets
Plan your money around your actual pay cycle.
Receipt Scanner
Snap a receipt. Spenzo fills in the details.
Savings Planner
Turn goals into weekly saving plans.
Transactions
Track expenses, income, transfers and recurring payments.
AI Coach
Get simple, actionable money suggestions.
Analytics
Understand your spending patterns.
Bills & Reminders
Stay ahead of upcoming bills.
Up and running in three simple steps
Add your income source
Tell Spenzo how and when you get paid — it anchors your budget to your real pay cycle.
Create your budget
Set what you plan to spend and save. Spenzo shows what’s left to assign in seconds.
Track, scan & adjust with AI
Log spending, snap receipts, and let the AI Coach nudge you when something needs attention.
Beautiful on every screen
The same calm, friendly design across mobile and desktop.
This pay cycle
Bi-weeklyBudgets built around your pay cycle
New apartment fund
On track
Weekly saving
€75
Shortfall
None
Goals turned into weekly plans
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.
Simple, friendly AI suggestions
Top spending
HealthySee where your money really goes
Real money moments, made clearer with Spenzo
From payday planning to receipt scanning, Spenzo helps turn scattered money decisions into simple daily clarity.
I finally knew what was safe to spend.
Spenzo showed my available balance, daily spend guide, and bills due soon — all in one place.
Receipts stopped becoming a chore.
I scanned a receipt, checked the merchant and amount, and Spenzo logged it before I forgot.
My budget finally followed my payday.
Spenzo helped me plan around the income I actually received, not a generic calendar month.
Start free. Upgrade when you’re ready.
Explore Spenzo Premium free for 10 days — no card required.
Free Limited
$0forever
The essentials to keep tracking after your trial ends.
- Basic expense & income tracking
- Basic budget view
- Limited transaction history
Spenzo Premium
$10/month
Everything Spenzo can do. Starts with a 10-day free trial — no card to explore.
- AI Coach
- Receipt scanning
- Advanced analytics
- Savings planner
- Smart budget insights
Private by design
Your money data is personal. Spenzo is built to keep it that way — with you in control of what’s stored and what’s shared.
Your data stays private
Your financial information is yours. We don’t sell your personal data — full stop.
Secure authentication
Sessions use signed, http-only cookies, so your login can’t be read by scripts in the browser.
You’re in control
Export your data whenever you like, and delete or fully erase your account on your terms.
Receipt storage preference
Choose whether receipt images are kept — you decide what Spenzo holds on to.
Made for everyone, everywhere
Spenzo adapts to how you read, where you live, and how you like to work.
Questions, answered
What is Spenzo?+
Spenzo is a modern, AI-powered budgeting and expense-tracking app. It helps you plan budgets around your pay cycle, see what’s safe to spend, scan receipts, set savings goals and get simple money guidance.
Is Spenzo free?+
Spenzo Premium starts with a 10-day free trial — no card required to explore. After the trial you can upgrade to Premium, or keep a Free Limited plan with basic tracking.
What happens after the trial?+
If you don’t upgrade, you move to Free Limited: basic expense and income tracking, a basic budget view and limited history. Premium features like Analytics, Goals and the AI Coach are paused until you subscribe.
Does Spenzo support pay-cycle budgeting?+
Yes. You can budget around your real pay cycle — weekly, bi-weekly or monthly — instead of a fixed calendar month, so your numbers match how you actually get paid.
Can I scan receipts?+
Yes. With Premium you can snap a receipt and Spenzo’s AI reads the merchant, amount, date and category for you, so logging spending takes seconds.
Ready to feel clearer about your money?
Join Spenzo and let your daily money assistant do the heavy lifting.