SpendChat: Track your money like a conversation

Open source license
AGPL-3.0
Plan, no time limit
Free
Transactions
Unlimited
Bank logins needed
0

Overview

What is SpendChat?

SpendChat is an open-source expense and income tracker from Playxoft that works like a chat. Individuals, couples and freelancers type or paste a transaction (or say it, on Pro), and it lands in a feed with a live balance. It needs no bank connection, has a free plan, runs in any browser and is licensed under AGPL-3.0.

  • Add a transaction by typing, pasting rows, writing a sentence or, on Pro, speaking.
  • No bank login: you enter every transaction yourself, cash included.
  • Free plan with unlimited transactions, open source under AGPL-3.0.

The problem it solves

Most people stop tracking money because logging a coffee takes longer than buying it. Bank-linked apps want your banking login and still miss cash.

Why SpendChat

What makes SpendChat different?

  1. Entry that feels like messaging

    Type an amount, pick a category and hit send. The transaction joins the feed and your balance updates at once.

  2. Four ways in

    Use chat entry, paste rows from a spreadsheet or write a sentence for the AI to split. Pro adds voice entry.

  3. AI drafts, you decide

    The AI and voice modes only produce drafts. Nothing reaches your ledger until you review and confirm it.

  4. Profiles and shared workspaces

    Personal, Home and Business each get their own feed, balance and reports. Invite a partner or accountant with a role.

  5. Open source, no bank link

    The whole app is public under AGPL-3.0. It never asks for banking credentials, shows no ads and never sells data.

Features

What can SpendChat do?

  • Chat-Style Logging

    Log expenses and income like sending a message — amount, category, send.

  • Bulk Import

    Import historical transactions from spreadsheets with a full preview before commit.

  • Filters & Search

    Slice by date range, type and category; search inside transaction notes.

  • Export Anywhere

    CSV export and print-to-PDF for reports and tax season.

  • Private by Design

    Account-based data security — your transactions stay yours.

  • Every Screen Size

    Responsive across mobile, tablet and desktop with light and dark themes.

Screens

SpendChat in action

Real screens from spendchat.app. Pick a screen, or select it to see it full size.

How it works

How does SpendChat work?

  1. 1

    Create a free account

    Sign up with Google or with email and a password. No credit card is needed.

  2. 2

    Pick your currency

    Choose one currency in Settings. Amounts are stored as integer minor units, so totals never drift from rounding.

  3. 3

    Add transactions your way

    Type it, paste a spreadsheet or write a sentence. Press R to add, and type / in the title to pick a category.

  4. 4

    Filter, export and print

    Filter by date, type, category or tag, or search your notes. Download that view as a CSV or print it to PDF.

Who it's for

Who is SpendChat for?

Built for

  • Everyday trackers

    Log daily spending in seconds, including the cash a bank app never sees.

  • Couples and families

    Share one workspace and give each person a viewer, editor or admin role.

  • Freelancers

    Keep business and personal books in separate profiles, then export a CSV.

  • Self-hosters

    Run the AGPL-3.0 source on your own server with your own AI keys.

  • 01

    Shared household costs

    Flatmates or a couple log into one workspace, so everyone sees the same ledger. Split groups settle who owes whom.

  • 02

    Tax time

    Keep business and personal spending in separate profiles all year. The accountant's CSV is one filter and a download.

  • 03

    Cash-heavy spending

    Market stalls and bus fares never touch a card. Manual entry records them like any other transaction.

Pricing

How much does SpendChat cost?

Prices as published on spendchat.app, checked November 3, 2026.

  • Free

    $0no time limit

    For getting started, on your own or with a partner.

    • Up to 3 people
    • Unlimited transactions
    • 50 AI actions a month
    • 1 GB for receipts and files
    • CSV and PDF export

  • Plus

    $5.99per workspace / month

    For families and couples who share the spending. Or $39 a year.

    • Up to 5 people
    • 300 AI actions a month
    • 5 GB of storage
    • Per-profile access and analytics insights
    • 21-day free trial

  • Pro

    $8.99per workspace / month

    For freelancers, small businesses and big families. Or $59 a year.

    • Up to 10 people
    • 1,000 AI actions a month
    • Voice entry, up to 2 minutes a clip
    • 20 GB of storage
    • 21-day free trial

Good to know

What to decide before you start

  • Plans belong to a workspace

    Everyone in a workspace shares its plan, AI actions and storage. Each extra workspace needs its own paid plan.

  • Manual by design

    There is no bank sync, so card spending you forget to log will not appear. Pick it if you would rather keep the bank out.

  • Hosted or self-hosted

    Self-hosting is free, with your own AI keys. You then run the Neon database, Firebase sign-in, backups and updates.

Under the hood

Designed, built and run by Playxoft

The same team builds web apps for clients. Need something like SpendChat? We can scope it with you.

Book a call Web app development
Category
Personal Finance
Stack
Next.js / TypeScript
License
AGPL-3.0 (open source)
Platform
Web (any browser)
Pricing
Free plan; Plus and Pro per workspace
Status
Live

SpendChat FAQ

Straight answers, checked against the live product on November 3, 2026.

SpendChat is an open-source money tracker from Playxoft that works like a chat. You type or paste each transaction (or say it, on Pro), and it keeps a running feed with a live balance.

Yes, the Free plan has no time limit and no ads. It includes unlimited transactions, CSV and PDF export and 50 AI actions a month. Plus ($5.99 a month) and Pro ($8.99 a month) add people, AI and storage per workspace.

Yes. The whole application is public on GitHub under the AGPL-3.0 license. Anyone who runs a modified version as a network service must publish their source.

Yes, and self-hosting is free. Clone the repo, create a Neon Postgres database and a Firebase project, and fill in .env.local. Then run pnpm db:migrate:local and pnpm dev:local.

Create a free account at spendchat.app with Google or email. It runs in any modern browser on phone, tablet and desktop, so there is nothing to install.

No. SpendChat has no bank integration and never asks for banking credentials. You enter transactions yourself, which also covers cash.

Yes. Bulk add takes pasted rows as amount, note, category, type and date. You fix the preview, and nothing saves until you import.

Yes. Your data is scoped to your account, sign-in uses Firebase Authentication, and there are no ads or data sales. You can export everything as CSV at any time.

Still have questions? Talk to our team

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