“I paid 5 euros at the bar for a coffee and a cake”
- Amount
- €5.00
- Category
- Bar & Breakfast
- Notes
- coffee and a cake
Voice entry • No bank linking • No ads
Smart Finance Assistant: Budget, Expense Tracker & Cash Stuffing
Log expenses by voice or with a tap: the personal finance app that also works offline. Master your cash flow with digital envelope budgeting (Cash Stuffing), utility bill monitoring, and built-in loan amortization schedules.
Visiting from Desktop?Scan with your Camera
Install Smart Finance Assistant directly on your smartphone via Google Play Store.
New · PRO
Log expenses by voice: say it and it's recorded
Tap the mic and speak naturally. Smart Finance picks out the amount, category and account, even in foreign currencies, and saves the entry in seconds.
Expenses, income and transfers
Works for income too, and for moving money between accounts and envelopes: just say from where to where.
9 languages and currencies
English, Italian, German, French, Spanish, Portuguese, Russian, Chinese and Japanese. Say another currency and it's converted at today's rate.
Recognized on your phone
Once the voice model is downloaded (57 MB), your voice is transcribed right on the phone.
Unsure? It asks
When a phrase is ambiguous, the app shows what it understood and asks you to confirm. Every voice entry can be undone with one tap.
Voice entry is part of PRO. New monthly subscribers get a 1-month free trial.
Digital Cash Stuffing (Cash Envelopes): Assign a Goal to Every Dollar
Eliminate end-of-month financial anxiety with practical, visual tools.
“Groceries” envelope
Budget: 300 €
Try it: move the slider past the budget.
Virtual Cash Stuffing
Assign budget caps to categories and goals (Groceries, Dining, Holidays). See at a glance how much you have left without going into the red.
Utility Bills & Due Date Tracker
Track electricity, gas, and water meter readings month-by-month with trend charts. Stay ahead of recurring expenses with smart reminders.
Loan & Mortgage Amortization
Keep track of paid and remaining installments, principal vs. interest breakdown for car loans or mortgages right on your smartphone.
Works Offline (Zero PSD2)
Without PRO your records stay on your phone, with a daily automatic backup. No mandatory bank linking and no data sales to data brokers.
Modern Card Design & Intuitive Controls
Fluid animations, a colored header and holiday themes, designed for modern Android devices.
Frequently Asked Questions (FAQ)
Everything you need to know about privacy, security, and offline usage.
Can I log expenses by voice?
Yes, with PRO. Tap the mic and say, for example, “I paid 5 euros at the bar for a coffee and a cake”: the app picks out amount, category and notes, and asks which account to use if you have more than one. It works in 9 languages, for income and transfers too. Once the voice model is downloaded (57 MB) your voice is recognized on the phone, and if something isn't clear the app shows what it understood before saving.
Do I need to connect my bank account?
No. Smart Finance Assistant also works offline. It never accesses, stores, or transmits your bank login credentials or account numbers. You maintain complete control over every recorded expense.
How does the cash stuffing envelope method work?
The app converts traditional paper envelopes into virtual digital pockets with custom caps (Groceries, Fuel, Dining, Travel). Whenever you record an expense, the envelope updates instantly to show exactly how much budget remains.
Is my personal or financial data shared with third parties?
Never. No user data is ever sold, transferred to advertisers, or shared with external analytics networks. Without PRO your financial records stay on your phone; with PRO they sync to your account.
Start Saving Smarter Today
Download Smart Finance Assistant on Google Play Store or launch the Web app.
