Spendo

Personal finance, sorted.

All your money,
in one
place.

Spendo connects every account, sorts every transaction, and answers what you ask in plain English.

Sign inPrivate beta. Invites only.

Connections

Brings it all together.

Checking, savings, credit cards, brokerages. Spendo connects to thousands of banks across the US and Canada and keeps one tidy record across all of them.

Accounts syncing into Spendo
Checking
Savings
Card
Invest
Spendo
Trader Joe's−$48.30

Ledger · Last 7 days

  • May 13Trader Joe's−$48.30
  • May 13Lyft−$12.10
  • May 12Whole Foods−$84.55
  • May 11ACH Deposit+$2500.00
  • May 10Verve Coffee−$6.75
Net+$2348.30

Chat

How much did I spend on coffee last week?

Generated SQL
select sum(amount)
from transaction
where category = 'Coffee'
  and date >= now() - interval '7 days'

Just $6.75. One stop at Verve Coffee on May 10.

Ask anything…

Every transaction lands here, already sorted. Every answer comes back as plain English, backed by real data and real SQL calculations.

See it

Some answers are better seen.

Ask for a chart and Spendo draws it straight from your data. The same query it runs for a number, rendered on the spot. No spreadsheets, no exports, no fiddling with axes.

Chart my spending by category

Spending by category

Last 90 days
Spending by category
$7.7kTotal
  • Rent$4,200
  • Groceries$1,536
  • Dining out$892
  • Transport$604
  • Shopping$438
Query
select category, -sum(amount) as total
from transaction
where flow = 'spending'
  and date >= now() - interval '90 days'
group by category
order by total desc

Rent alone is more than half your spending, at $4,200.

How it works

Three things you'll feel right away.

All in one place

Every account, one ledger.

Connect your checking, savings, credit cards, and brokerages. Spendo brings them all into a single ledger so you can stop bouncing between banking apps.

Sorted by morning

Categorization that learns you.

Every new transaction lands in the right category on its own. Correct one once and Spendo remembers what you meant. No rules to write, no menus to memorize.

Just ask

Plain English. Full SQL underneath.

Spendo translates your question into SQL, runs it on your ledger, and answers plainly. Quick lookups, year-over-year trends, anything you'd normally build a spreadsheet for. Drop into raw SQL when you want to write your own.

How it feels

An app that just shows up for you.

Most finance apps want your attention. Spendo just wants to be useful, sorting things as they come in and waiting patiently for the questions you actually have.

  • Sorts your spending automatically, every day.
  • Answers questions the moment you have them.
  • Reads like a clean page, not a dashboard you have to decode.
  • Stays out of the way until you visit.

Questions

The usual questions.

  • What is Spendo?
    Spendo is a quiet personal-finance ledger. It connects to your bank, categorizes every transaction automatically, and lets you ask questions about your spending in plain English.
  • How does the bank connection work?
    We use Plaid. You sign in to your bank through Plaid's secure flow; Plaid sends us your transactions (read-only). We never see your bank credentials and we cannot move money.
  • Is my financial data safe?
    Your data sits in an encrypted database with row-level security, so only your account can read your records. We don't sell data, we don't show ads, and we don't share with brokers.
  • How much does Spendo cost?
    Pricing is being finalized. The plan is to offer Spendo at an honest, affordable monthly rate. No usage-based surprises, no upsells.
  • Can I export or delete my data?
    Yes. Email info@spendobudget.com and we will export or permanently delete your records.

Private beta

Have an invite?

We're onboarding a few users at a time while we get the foundation right. If you have an invite, sign in to get started.

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