Payto: AI Expense Manager

Track your spending, grow your savings.

Just say it out loud. AI sorts the category and saves it instantly. Every day, AI analyzes your habits and cheers you on.

[ Record by Talking ]

Say "lunch 7 dollars" or "three items at the convenience store." Speak or type naturally, and AI figures out the amount, category, and date. No need to pick a category yourself.

[ Choose Your AI Personality ]

Pick from 6 styles that match your vibe.

Friendly Coach - warm encouragement Devil Mode - harsh truth when you need a push Strict Teacher - focused on hitting your goals Best Friend - relatable, casual, and real Wall Street Trader - ROI and opportunity cost breakdowns Minimalist - numbers and facts only

Ask anything. How much did I spend on coffee this month? If I save 300 dollars a month, how much will I have in a year? Your AI answers right away.

[ Monthly AI Deep Analysis ]

Find out where you spent the most and where you wasted money. Get a full report with category breakdowns, last month comparisons, and saving tips.

[ Together With Family and Partners ]

Manage finances together with your partner, roommate, or family. Join with a single invite code and see who spent what in real time.

[ Key Features ]

• Voice and natural language input
• AI chat assistant
• Daily AI insight card
• Monthly AI deep analysis report
• 150+ detailed spending categories
• Automatic fixed expense tracking
• Monthly budget and reminder alerts
• Installment payment tracking
• Shared budget (invite members)
• Dark mode

[ Free to Start ]

Core features are completely free. Start today and find out exactly where your money is going.

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