SpeakSpend

SpeakSpend is a personal finance tracker built for fast manual and voice-first money tracking. Record expenses, income, transfers, accounts, balances, budgets, recurring payments, savings goals, upcoming bills, and net worth in one organized app.

Add records manually or use optional voice entry to speak a transaction, review the draft, choose an account, and save it. SpeakSpend also works offline for manual entries, then syncs when you reconnect.

SpeakSpend helps you:

- Track expenses, income, and transfers
- Manage multiple accounts and balances
- Organize records by category, merchant, note, date, time, and tags
- Create monthly budgets and category budgets
- Track recurring income, recurring expenses, and planned payments
- See upcoming balance and available-this-month estimates
- Track savings goals linked to accounts
- View Financial Overview and Net Worth trends
- Track assets, liabilities, and balance sheet changes
- Export records and reports as CSV or PDF
- Use one locked base currency for a consistent ledger
- Keep manual entries available offline

Voice entry is optional. Manual tracking works without microphone access. Voice parsing requires an internet connection.

SpeakSpend is not a bank, lender, payment app, investment app, tax advisor, investment advisor, or financial advisor.

It is a private tracking tool to help you understand your money, remember where it went, and stay organized.