NeuralWallet is an AI co‑pilot for your spending. Text it a purchase — "$24 at Rosella last night" — and it's logged. Ask "why was groceries so high?" and it tells you, with the transactions to back it up. The budget builds itself as you go.
Most apps make you tap five times to log a coffee. NeuralWallet lets you message it, snap it, or speak it — same way you'd tell a friend. The categorization, the math, the budget update: it handles the rest.
Type or speak. "Twelve bucks at Sey, coffee." "Rent went out yesterday." It parses merchant, category, date, and splits — no forms, no taps.
Point your camera. NeuralWallet reads the total, tip, line items, and guesses the right category. You only confirm if you want to.
"What did I spend at coffee shops in April?" "Can I afford the Tokyo trip?" It looks at your data and answers in the same sentence you'd use yourself.
Real questions our users asked this week — answered with the transactions, the math, and a recommendation, in one paragraph.
Yes — comfortably. You're saving $450/mo on average and have $2,840 in your running buffer. Booking it in July means it lands the same week as rent; pay it on May 28 and the cash‑flow stays smooth.
Your raise is roughly +$520/mo after tax. Push $400 of that to Runway (you're 2.1 months in, aiming for 6) and keep $120 for the spending that always creeps up after a raise. I'll re‑check in 60 days.
Three: ChatGPT Plus ($20), Figma Pro ($16), GitHub Copilot ($10). All billed, none opened in May so far. Want me to draft cancel emails? You can also pause Figma for $0/mo.
No — close, but no. Coffee was $184, groceries $211. Felt that way because coffee was twenty‑two small charges and groceries was four big ones.
Overview, Insights, Plan, Transactions — the charts and tables you'd expect are all there. What's new is the assistant sitting on top of them, reading the same data you're looking at and ready to explain it.
The AI knows your spending cold — every transaction you've logged is one query away. Ask in plain English, at 2 p.m. or 2 a.m.; you'll get an answer in seconds, with the receipts to back it up.
No spreadsheets. As you log, NeuralWallet learns your categories, spots the recurring stuff, and proposes a budget you can edit by saying "raise groceries by $50."
When it doesn't know, it says so. Every sentence is traceable — tap a claim and see the exact transactions behind it. No hallucinated totals, ever.
Average time to log a purchase by chat. Faster than opening your old budget app.
Questions our users ask their wallet every week — from "can I afford this?" to "why is May tight?"
Log purchases, ask questions, and read your morning brief — on the free plan. Pro adds deeper insights when you want them.
I bought a suit for a friend's wedding and wanted to treat myself. A good budget shouldn't punish you for that — so I built Spread.
Read field note →Most people think a savings fund is for goals. It's simpler than that — a named bucket you feed monthly — and it quietly tames the bills you can see coming, like property tax.
Read essay →I asked my own app why my groceries were so high. It gave me the number, not the story — so we rebuilt how it summarizes a category.
Read field note →The Free plan handles the day-to-day: transactions, budgets, and an AI that logs and fixes them for you. Pro lets you ask it anything — spending questions, recaps, trends — lifts every cap, and pulls receipts straight from your inbox.
The essentials — track every transaction and ask the AI when you need it.
Free plan · no card needed
Every limit lifted, the AI turned up, and your inbox along for the ride.
$99 billed yearly Save 41%
Everything in Free, plus
Start free — upgrade to Pro any time, with a 7-day trial.
Available on iPhone, Android, and the web. Sign up, send your first message, and you're tracking in under a minute — no bank logins, no credentials to share. You stay in control of what we see.