Qaizo — AI Personal Finance

Qaizo — AI Finance in 11 Languages

Qaizo is a personal finance app that actually helps you understand where your money goes — and it speaks your language. Eleven of them: English, Russian, Spanish, French, German, Portuguese, Arabic, Hebrew, Japanese, Hindi and Chinese. Logging a transaction takes about as long as sending a quick message. Or saying it out loud.

Qaizo gives you four ways to record anything: type a natural sentence ("coffee 15"), photograph a receipt, dictate by voice, or tap a saved quick-template for the things you buy every day. The AI parses out the amount, currency, category and merchant, and leaves you free to move on.

At the core is a built-in AI assistant powered by Gemini. It doesn't just parse expenses — it watches your patterns, suggests where to cut back, and flags when a category is burning faster than usual. The assistant sees your real picture — income, expenses, goals, recurring payments — and answers questions about your situation in plain words. Ask what you spent the most on last month or how much you've consistently saved, and you get a real answer, not a textbook one.

Qaizo handles any currency and any mix of accounts. Cash, bank, credit card, investments, crypto, real estate and other physical assets — all in one place, with live rates in real time. Crypto wallets pull live coin values from CoinGecko, brokerage accounts pull live stock prices from Yahoo Finance, currencies update automatically. Pull down to refresh anytime. Reorder accounts the way you think about them. The total is always honest — no manual conversions, no stale numbers.

Recurring payments — the part of life that usually becomes "where does the money go" — are automated. Salary, subscriptions, rent, insurance, transfers between your own accounts — all scheduled, visible thirty days ahead, confirmed or skipped with a single tap and fully editable on the day. Reminders arrive the day before and the day of, plus separate alerts for contracts about to end.

A built-in calendar shows every transaction, recurring payment and expected income on a month grid — tap a day to see what happened, swipe to flip months. Tag any entry with chips you choose ("work", "kids", "travel"). Group spending by Project for one-off efforts — renovation, vacation, wedding — and see exactly what each one cost.

Categories adapt to you. Create them inline from the add-transaction flow, pick an icon, rename or delete the defaults — Qaizo automatically translates new category names into all eleven languages, so they stay clear when someone switches the app's language. Budgets attach to categories. Savings goals track progress with realistic timelines and projected finish dates. Every account gets its own balance-history chart with adjustable periods and a list of upcoming recurring payments. The monthly report exports as a branded PDF with category and account breakdowns and full right-to-left support.

Everyday tools fit naturally alongside the core: a smart shopping list with price history per item and the cheapest store you've seen, CSV and Excel import with a review step that maps unknown accounts and categories, dark / light / AMOLED themes, and a streak tracker that gently rewards consistent logging without nagging.

Security is the foundation, not an afterthought. Biometric unlock and PIN, encrypted cloud storage, opt-in analytics and crash reporting — all under your control, no forced telemetry. The app works offline thanks to a local cache, syncing whenever the network comes back. There's no bank connection: everything in Qaizo gets there because you put it there, or because the AI read it off a receipt. Your finances stay yours.

Qaizo doesn't try to be everything at once. One clear job: keep tracking down to seconds and let understanding follow. No paid subscriptions for basic features, no ads, no premium pop-ups after three days. Just an app that works.