Powerful Features forSmart Tracking

Everything you need to track, budget, and understand your spending. From voice entry to AI insights, VoiceSpend has you covered.

Explore by workflow

Start with the part of the product you care about most, then dive into the detailed feature sets below.

Capture faster

Voice entry, receipts, and quick manual input keep logging friction low.

Stay organized

Accounts, categories, recurring items, and budgets keep money structured.

Understand spending

Dashboards, reports, merchant analysis, and AI insights explain what changed.

Input Methods

Multiple ways to manage your finances

6 features

Voice Entry

Track expenses, transfer money, and create accounts — all by speaking naturally.

Multi-Expense Voice

Plus

Add multiple expenses in one voice command. "Lunch $15, coffee $5, and parking $3".

Voice Queries

Plus

Ask questions about your spending by voice. "How much did I spend on food this week?"

Manual Entry

Quick manual entry with smart suggestions. Auto-complete merchants, categories, and amounts based on your history.

Receipt Scanning

Snap a photo of your receipt. OCR extracts merchant, amount, and date automatically.

Data Import

Plus

Import from CSV (Mint, YNAB, Monarch, or any bank export), Smart CSV with AI column mapping, free-form text paste, or photo import.

Organization

Keep your finances tidy

4 features

Smart Categories

Pre-built categories for common expenses. Create custom categories and subcategories to match your lifestyle.

AI Auto-Categorization

Plus

Our AI learns your patterns and automatically categorizes new transactions. Manual overrides train the AI.

Powerful Search

Find any transaction instantly. Search by amount, merchant, category, date range, or custom tags.

Recurring Transactions

Set up recurring expenses like rent, subscriptions, and bills. Get reminders before they're due.

Accounts & Tracking

Track all your money

6 features

Safe-to-Spend Calculator

Know exactly what's yours to spend — after every bill, every budget, and every goal.

Financial Accounts

Track multiple bank accounts, credit cards, cash, and investment accounts.

Savings Goals

Set savings goals and track progress. Visualize your path to financial milestones.

Auto-Detect Recurring (AI)

Pro

AI automatically detects recurring patterns in your transactions and suggests tracking them.

Net Worth Dashboard

Track your total net worth across all accounts. See your financial health at a glance.

Credit Card Payment Reminders

Plus

Track credit card due dates and get reminded before payments are due. Never miss a payment or pay late fees.

People & IOUs

Split expenses and settle up

5 features

Split Expenses

Split any expense with friends. Equal or custom splits — your personal share is tracked separately for budgets.

Contacts

Add contacts to track who owes you and who you owe. See balances at a glance on the People page.

Settle Up

Record settlements when someone pays you back or you pay them. Balances update automatically.

Voice IOUs

Split expenses by voice: "Dinner $90 split with Sarah and Mike". Settle up by voice too.

Contact History

See a full timeline of splits, settlements, and balance adjustments for every contact.

Budgeting

Stay on track with your goals

5 features

Category Budgets

Set spending limits per category. Visual progress bars show how much you've spent vs. your budget.

Flexible Budget Periods

Set budgets for any frequency — daily, weekly, bi-weekly, monthly, or yearly. Period is set per budget.

Budget Alerts

Get notified at 50%, 80%, and 100% of your budget. Add custom thresholds like 60% or 90% to fine-tune your alerts.

Rollover Budgets

Plus

Unused budget from one month rolls over to the next. Perfect for irregular expenses like car maintenance.

AI Budget Suggestions

Pro

Get personalized budget recommendations based on your spending patterns and goals.

Analytics & Reports

Understand your spending

6 features

Spending Dashboard

Organized charts showing daily, weekly, and monthly spending trends. See where your money goes at a glance.

Category Breakdown

Detailed pie charts and bar graphs for each category. Compare spending month over month.

Merchant Analysis

Plus

See which merchants you spend the most at. Track spending trends by merchant over time.

AI Insights & Recommendations

Pro

Smart recommendations based on your spending patterns. Identify spending anomalies and get actionable advice.

Weekly AI Spending Digest

Pro

Every Monday morning, a 2–3 sentence AI summary of your past week — total spent, the most notable change vs your usual week, and your top category.

Export Reports

Plus

Export your data in CSV, PDF, or JSON on paid plans for full portability.

Pro Features

Advanced capabilities for power users

2 features

Multi-Currency Support

Pro

Track expenses in multiple currencies with automatic conversion. Perfect for travelers.

Transaction Attachments

Plus

Attach receipts, invoices, and documents to any transaction for better record keeping.

Home-Screen Widgets

Your money at a glance — without opening the app

4 features

Safe-to-Spend Widget

Plus

The dashboard hero number on your home screen. Pro users get a lock-screen variant too.

Account Balance Widget

See your default account balance at a glance. Plus users can pick which account or sum a custom set.

Spending Summary Widget

Today, this week, or this month — your spending totals on the home screen. Plus adds delta vs prior period and the top category.

Budget Status Widget

Plus

Progress bars for your budget allocations. Large variant on Plus shows the top three at once.

Sync & Security

Your data, everywhere and safe

4 features

Cloud Sync

Real-time sync across all your devices. Start on your phone, continue on the web.

Offline Mode

Log expenses without internet. Everything syncs automatically when you're back online.

Bank-Level Security

256-bit encryption, secure authentication, and regular security audits. Your data is always protected.

Automatic Backups

Your data is automatically backed up daily. Restore from any point in the last 30 days.

Free vs Plus vs Pro Comparison

See exactly what you get with each plan

Compare plans at a glance, then use the pricing page for the full feature and billing breakdown.

FeatureFreePlusPro
Voice entries10/month100/monthUnlimited
Multi-expense voice
Voice queries
Manual entry
Financial accounts210Unlimited
Receipt scanning5/month50/monthUnlimited
Custom categories525Unlimited
Budgets310Unlimited
Budget periodsDaily · Weekly · Bi-Weekly · Monthly · YearlyDaily · Weekly · Bi-Weekly · Monthly · YearlyDaily · Weekly · Bi-Weekly · Monthly · Yearly
Budget alert thresholdsCustom (50%, 80%, 100%+)Custom (50%, 80%, 100%+)Custom (50%, 80%, 100%+)
On-pace budget indicators
Velocity push alerts (mid-period)
Custom velocity sensitivity
Rollover budgets
Merchant budgetsUp to 5Unlimited
Zero-based budgetingManual income+ Auto income pull+ AI suggestions
Recurring items1050Unlimited
Cash flow forecast
Savings goals210Unlimited
Tags30200Unlimited
Tags per transaction51530
Category rules525Unlimited
Attachments per transaction510
Contacts1050Unlimited
Split expenses
Settle up
Voice IOUs
AI auto-categorization
AI insights & recommendations
Weekly AI spending digest
AI budget suggestions
AI Text & Image Import
Basic reports
Advanced reports
Custom reports
All export formats
Merchant analysis
Monthly trend lookback3 months12 monthsAll time
Day-of-week spending heatmap
Time-of-day chart
Category breakdown on heatmap
Safe-to-Spend calculator
Reserve buffer & custom window
Account Balance widget (home)Default accountCustom picker, multi-accountCustom picker, multi-account
Spending Summary widget (home)MTD totalWith delta + top categoryWith delta + top category
Budget Status widget (home)
Safe-to-Spend widget (home)
Lock-screen widgets (all 4 + complications)
Custom widget configuration
Credit card payment reminders
Net worth dashboard
Automatic backups
Multi-currency
Auto-detect recurring (AI)
Active sessions (devices)UnlimitedUnlimitedUnlimited
Monthly grade cardText summary
Image export & share
12-month history
Cloud sync
Offline mode

Ready to Try These Features?

Start with our free plan and upgrade when you need more.