Loan and tax calculators built in, plus voice or receipt-scan expense tracking — no typing. Private Wrapped reports. No ads, data stays on your phone.

Most expense apps fail for the same reason: typing every purchase is boring, so you stop after a week. Kupio removes the typing.

SAY IT Tap the microphone and speak: "coffee, 4 euros". Kupio recognises the amount, picks the category and saves the entry. Three seconds, no forms.

SNAP IT Photograph a receipt. AI reads the total, the shop name and the category, so a pile of paper turns into clean records without a single tap on the keyboard.

ASK IT A built-in AI advisor looks at your actual spending and answers in plain words: where the money went, what to cut, whether you are on track this month. Not generic tips — your numbers.

SEE IT

Donut chart by category, so the biggest hole is obvious at a glance
The whole year in twelve columns: seasonality a monthly view cannot show
Day-by-day heat map of any month
Savings rate with an honest verdict, not just a number
Forecast to month end based on your current pace
Recurring payments found automatically, so forgotten subscriptions surface

PLAN AHEAD (Premium)

Loan calculator with a full payoff schedule, due-date reminders and a one-tap "mark as paid"
Tax calculator for France, Germany, Spain, Ukraine and the UK — switch between monthly and yearly view
Safe-to-spend: what's left to spend today without breaking the month's plan
Financial Cleanup: surfaces forgotten subscriptions and small leaks that add up
Personal Records: your best saving streak, biggest single save, quietest spending day
Kupio Wrapped: a full recap of your month or year, shareable as a card or exported as a detailed PDF report

KEEP IT SEPARATE Track who spent what — you, your partner, work. Add your own ventures if you run a small business, and see each one's numbers apart from the household.

YOUR DATA STAYS YOURS No account. No registration. No ads. No trackers. Your records live on your phone, and you can export them to JSON or CSV whenever you want. Only two things ever leave the device, and only when you ask: the receipt photo you are scanning, and an anonymous summary for the AI advisor.

ALSO INSIDE

6 languages: English, Russian, German, French, Ukrainian, Spanish
22 currencies, detected from your region automatically
5 appearances, including one that follows the time of day
Import a bank statement from CSV
Goals: name a dream, name a habit, see how soon giving it up pays for it
Monthly budgets per category
Backup and restore in one tap

Kupio's core features are free. A Premium subscription unlocks the tools above and more.

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