Question 1

Is my financial data safe?

Accepted Answer

Yes. Every record is encrypted before it ever reaches our servers. You get a unique personal encryption key. We never link to your bank account, so there is no OTP exposure, no transaction API risk. Two-Factor Authentication (2FA) and single-session login are also available for extra security.

Question 2

Do I need to pay to use it?

Accepted Answer

No. The Free plan is fully functional — dashboard, expense tracking, budgeting, AI coach (limited), debt and goal management. When you sign up, you automatically get a 7-day Pro trial so you can explore every feature. No credit card is required to start.

Question 3

How does the Telegram integration work?

Accepted Answer

Connect your Telegram account in Settings in under 30 seconds. After that, just message our bot naturally — e.g. 'Coffee 50k & lunch 120k yesterday'. The AI extracts the amount, category, and date, then saves it to your dashboard automatically. You never have to open the app to log an expense.

Question 4

Will the AI learn my spending categories?

Accepted Answer

Yes. You can create custom rules — for example, 'if the message mentions 'Grab', categorize as Transport'. The AI applies your rules first, then falls back to its own intelligent categorization. Over time it handles your most common spending patterns without any manual correction.

Question 5

What happens after my free trial ends?

Accepted Answer

You simply continue on the Free plan — no surprise charges. We have no automatic renewals. If you want to keep Pro features, you can purchase 1 month, 6 months, or 12 months at any time. Simple, transparent, completely your choice.

Question 6

Can I use it without the Telegram bot?

Accepted Answer

Absolutely. You can log expenses directly in the web dashboard, or use the AI Natural Language input on the header bar (type 'coffee 5.50 yesterday' and press Enter). The Telegram bot is the fastest method, but the app works independently of it.

Question 7

What makes this different from other finance apps?

Accepted Answer

Four things: (1) Zero-Knowledge vault — your data is encrypted on your device before it ever reaches our servers, so even we cannot read it; (2) No bank linking — no OTP exposure, no API risk, your security is never at risk; (3) Telegram-first logging — log in under 5 seconds without opening an app; (4) Honest pricing — purchases with zero auto-renewing traps. Most apps push you toward bank linking or lock basic features behind subscriptions. We don't.

Track smarter
Spend wiser

Add an expense the moment it happens

Your records stay protected in your vault

Easy enough to keep up every day

Ready to track fast, stay secure, and spend smart?

Track smarterSpend wiser

Add an expense the moment it happens

Your records stay protected in your vault

Easy enough to keep up every day

Ready to track fast, stay secure, and spend smart?

Track smarter
Spend wiser