Personal AI financial intelligence.
Spentivo understands your money. Record, categorize, and analyze every transaction with AI — and connects with your agents to automate your financial life.
Hi, user
Here's what's happening with your money · May 2026
Everything you need.
Nothing you don't.
Designed so logging an expense takes less than 10 seconds, and understanding your situation takes less than 10 more.
Real-time dashboard
Total balance, income, expenses, and monthly savings at a glance. AI tells you what the numbers mean, not just what they are.
Natural language entry
Type "I paid $850 for internet from checking" and AI extracts type, amount, category, and account automatically.
Recurring expenses
Fixed or variable. Spentivo tells you how much you expect to pay each month and asks for the actual amount when it's due.
Smart categories
50 ready-to-use income and expense categories with descriptions AI uses to classify automatically.
API for AI agents
Connect Spentivo to your automation flows. Log transactions, check your summary, or control accounts from any agent.
Logs and traceability
Every action is recorded. You know exactly what each actor — user or agent — did with your financial data.
Your fixed commitments,
under control.
Log monthly recurring expenses once — rent, utilities, subscriptions. Spentivo shows how much you expect to pay and what's left.
Fixed expenses with known amounts
Variable expenses with estimated amounts
Monthly tracking with overdue and paid items
May 2026 — Recurring
4/6 paidTell us what happened.
AI does the rest.
Four ways to log income or expenses. In all of them, AI interprets, classifies, and confirms before saving.
AI agents
connect to Spentivo.
Spentivo doesn't depend on external AI. It's the other way around: your agents, automations, and GPTs connect to Spentivo as the source of truth for your financial information.
Natural language commands
Your agent sends plain text to Spentivo's endpoint. AI interprets the command, generates the transaction, and confirms before saving.
Financial summaries in JSON
Query balances, monthly expenses, savings, and insights in clean, structured JSON. Perfect for dashboards, automated reports, or AI decisions.
Secure and auditable
Every agent call is token-authenticated and logged in the audit trail with actor, action, entity, and timestamp.
Compatible with any AI agent that can connect to APIs
Start today.
Your money won't wait.
No cards. No complex steps. Just you taking control of your finances from the first second.