Budgeting & expense tracking software
Understand where your money goes.
Speak it. Track it. Understand it. Add transactions with your voice and let SpeakCents organize your financial activity.
No credit card required · Cancel anytime · Pro is just $7.99/mo
$412 of $600 used
$2,250 of $5,000 saved
4 active merchants
“What bills are coming up?”
Voice-powered tracking.
Say it. SpeakCents keeps track of it.
Add a transaction
“Spent $42 at the grocery store.”
Add everyday transactions with your voice and keep your finances up to date without stopping to fill out forms.
- Amount
- $42.00
- Merchant
- Grocery Store
- Category
- Groceries
- Account
- Everyday Checking
Try saying
“Spent $42 at the grocery store”
Listening…
Transaction
- Amount
- $42.00
- Merchant
- Grocery Store
- Category
- Groceries
- Date
- Today
Ask a question
“How much did I spend on groceries this month?”
$486.20
Groceries, month to date — 12% below your monthly budget.
Everything connects in one place.
Spending, budgets, goals, accounts and long-term planning work together, giving you a clearer view of where you stand and what's ahead.
Spending
Know where your spending goes.
Follow transactions, recurring expenses, income and spending trends.
Planning
Build a plan around your priorities.
Create budgets, prepare for upcoming expenses and keep your goals moving forward.
Insights
Spot the patterns that matter.
Catch changes in spending, recurring costs and habits that deserve a closer look.
Future
Know where you're headed.
Follow your net worth, project your cash flow and understand how today's choices could shape what's ahead.
Your money has answers. Just ask.
Ask about spending, budgets, income or trends and get clear answers based on your own financial activity.
Expense Overview
See where your money is going
$0
Total spent
Top spending categories
View all- Groceries$412 (33%)
- Dining Out$287 (23%)
- Auto$176 (14%)
- Home$142 (11%)
Stay ahead of your everyday spending.
Catch changes, spot recurring costs and know when something deserves your attention — without digging through the numbers.
Explore spending insights
Advanced insights
See the full story behind your spending.
Explore powerful reports that reveal where your money goes, how your spending is changing, and where you could save more — all in one place.
Spending
Category breakdown
Spending share by category, shown as a pie chart.
Spending
Money leaks
Small expenses that quietly add up.
Analysis
Budget vs actual
Where spending is over or under plan.
Explore everything SpeakCents can do.
From everyday transactions to budgets, goals and forecasting, explore the tools that help you understand where you stand and plan what comes next.
See your most important financial information at a glance.
Tap the glowing dots on the screen to see what each part does.
Plan for what matters to you.
From your next trip to a new home, set your goals and watch your progress bring them closer.
One household. Fewer money mysteries.
Keep spending, budgets and shared goals together so everyone knows where the household stands — with individual logins for each member.
Everyone on the same page.
Keep transactions, budgets and goals together so everyone can follow along.
Know who spent what.Keep spending easy to understand.
See who added each transaction, making it easier to separate shared expenses from individual spending.
One plan. Everyone included.Family Plan — $12.99/month.
Give the household access to voice entry, insights, goals and budgets — all under one plan.
Account connections
Connect all your accounts in minutes.
Link your checking, savings, credit cards, investments, and loans so your whole financial picture is always up to date — in one secure workspace.
- Checking, savings, credit cards & investments
- Automatic balance & transaction syncing
- Optional manual accounts for cash or assets
- No bank credentials stored by SpeakCents
SECURITY & PRIVACY
Your financial data stays secure
SpeakCents is built with security and privacy at its core. Your financial information is encrypted, protected, and always under your control.
Bank-Level Encryption
Your financial information is protected using industry-standard encryption.
Secure Account Connections
Accounts connect through trusted financial data providers using secure authentication methods.
Read-Only Access
SpeakCents can analyze your financial data but cannot move money, transfer funds, or make purchases.
Privacy First
Your financial information belongs to you. SpeakCents is designed to keep your data private and secure.
A clearer way to manage your money.
Bring your spending, goals, planning and financial insights together with SpeakCents.