Your money.
Your game.
Zero bank login.
Log expenses by WhatsApp photo, voice note or receipt scan. Works in 50+ countries. Start free — no credit card required.
CHOOSE YOUR PLAN
Pro Monthly
€4.99
per month · Cancel anytime
Pro Annual
€36
per year · Save 40%
This month
kr 4,287
Lunch at Max
Today 12:41
kr 124
Taxi to airport
Yesterday
kr 389
Coffee
Mon 08:15
kr 52
62% of monthly budget used
FEATURES
Everything you need.
Nothing you don't.
Snap a receipt
AI reads it in 3 seconds — amount, merchant, category — all filled automatically.
Log via WhatsApp
Send a photo, voice note, or text in any language. Your agent handles the rest.
Travel mode
Real-time currency conversion in 50+ currencies. Always know your spend in SEK.
Budget tracking
Weekly alerts before you overspend. See pace, daily averages, and projections.
Mortgage + Insurance
All your financial commitments in one place — EMI, renewals, and interest alerts.
Adventure mode
Earn XP and passport stamps for saving money. Finance made genuinely fun.
SEE IT IN ACTION
Built for real life.
Smart analysis, trip tracking and instant reports — in any currency, any language.
Just message it — done
Log any expense straight from WhatsApp — type it, snap a photo of the receipt, or send a quick voice note. Your AI agent reads it, picks the right category and currency, and logs it instantly. No app, no forms.
Your money, auto-organised
Smartfina splits your income into Needs, Wants and Savings using the proven 50/30/20 rule — so you always know what's safe to spend without doing the math.
Every number, one screen
Budget, mortgage and savings goals tracked live with clean meters and instant alerts. Open the app and see exactly where you stand in seconds.
See where it really goes
Beautiful spending breakdowns and category trends over time reveal the leaks in your budget — across every currency and 25+ languages.
Travel without the money stress
Tag expenses to a trip, watch your travel budget in real time, then export a full shareable report in any currency — perfect for holidays or business.
COMMUNITY TIPS
Money tips from the Smartfina community
Cancel one unused subscription this month.
The average person wastes kr800/month on forgotten subscriptions. Smartfina flags them automatically.
Log expenses immediately — even small ones.
Users who log within 1 hour of spending save 23% more than those who log later.
Use trip mode when travelling.
Seeing your spend in both local currency and home currency stops overspending on holidays.
OUR STORY
About Smartfina
Smartfina was built by a solo founder frustrated with finance apps that require bank access, only work in the US, or make you type every expense manually. We built the app we wanted to use ourselves — private, global, and genuinely effortless.