AI CFO Chat
Ask any money question in plain language and get an answer grounded in your real numbers — powered by Anthropic's Claude, with voice input built in.
AI-powered personal finance · Built for India
Plan every salary. Grow every month.
Spendglide turns your take-home pay into a 50/30/20 plan, tracks spending by voice or manual entry (receipt scan and SMS auto-import on Premium), and keeps a live financial health score — with an AI CFO you can ask anything, anytime.
0+ tools in one app
0bank logins ever asked for
0day free Premium trial
You've used ₹8,200 of your ₹15,000 Wants budget this month.
Can I afford a night out this weekend?
Yes — you'd still have ₹3,800 left in Wants after that. 👍
Remaining this month
₹18,240
On track · 61% of budget leftHome EMI₹12,000
Groceries₹3,400
Mutual Fund₹5,000
📅 Upcoming bills — next 7 days
Bill reminderHome EMI · 3 days
Goal progressEmergency Fund · 61%
AI CFO powered by Claude·No bank login, ever·Purchase Power Simulator·Voice expense entry·50/30/20 salary plan·Financial health score·Built for India·
AI CFO powered by Claude·No bank login, ever·Purchase Power Simulator·Voice expense entry·50/30/20 salary plan·Financial health score·Built for India·
Features
One app for everything your salary needs to do.
From your first payday to retirement — 25+ tools, built specifically for how money works in India.
Financial Health Score
A single 0–1000 score across savings rate, expense control, debt health, and five more factors — so you always know exactly where you stand.
Smart Salary Allocation
Tell Spendglide your pay day and take-home pay — it builds your 50/30/20 needs/wants/savings plan automatically.
Log Expenses However You Like
Type it or just say it out loud — free, no bank login required. Scan a receipt with your camera or let SMS auto-import draft it for you on Premium.
Goals & Loan Tracking
Track savings goals and loan EMIs side by side — payoff progress, debt-to-income ratio, and a debt-free target year.
Financial DNA & Roadmap
A 10-step assessment builds your financial profile into a personal roadmap of milestones and short lessons.
Receipt Scan & SMS Auto-Import Premium
Snap a photo of a receipt, or let Spendglide draft expenses straight from your bank/UPI SMS — filtered on your device before anything reaches our servers (Android only).
Tax & Debt Optimizer Premium
17 deduction sections from 80C to HRA and 24(b), a salary structure screen for HRA/NPS exemptions, old-vs-new regime compare, and a payoff strategy for your eligible loans (home loans excluded — already low-rate and tax-advantaged).
Retirement & Insurance Premium
Project your retirement corpus against your goal age, and spot coverage gaps across your life and health policies.
Purchase Power Simulator Premium
Simulate the EMI and down payment on a big purchase before you make it, see the AI's risk read and alternatives, and how it reshapes your budget.
Future Me, Decisions & Mission Control Premium
Model what-if life scenarios, score a big decision with AI reasoning, and get a daily AI-generated brief with streaks — four planning tools in one Premium unlock.
Weekly Insight Feed
A free weekly brief of what you saved and spent, plus contextual nudges that link straight to the screen that matters.
How it works
Set up in under a minute.
01
Tell us about your pay
Your name, your pay day, and how often you're paid — that's all it takes to get started.
02
Get your 50/30/20 plan
Enter your take-home salary and Spendglide instantly builds your needs / wants / savings split.
03
Log expenses your way
Type it or speak it for free — or on Premium, scan a receipt or let SMS auto-import draft it. Then ask AI CFO anything.
A look inside
Every feature, one interactive phone.
Spendglide is 31 tools deep. Click any one of them below to see exactly what it looks like — drag your cursor over the phone to tilt it.
Remaining this month
₹18,240
On track · 61% of budget leftHome EMI₹12,000
Groceries₹3,400
Mutual Fund₹5,000
📅 Upcoming bills — next 7 days
Groceries₹3,400
Dining Out₹3,180
Transport₹1,250
Shopping₹2,100
🧾 3 subscriptions renewing this month
Income this month
₹68,000
Stable · on timeSalary₹60,000
Freelance₹8,000
💼 Income stability: Consistent
Owes you
Rohan₹2,500
You owe
Priya₹1,200
Emergency Fund
A trip
Total outstanding
₹8,20,000
Debt-to-income · 18%Home EMI₹12,000
Car EMI₹6,500
🎯 Debt-free target: 2032
Portfolio value
₹4,12,000
+₹38,000 all-timeMutual Funds₹2,80,000
Stocks₹90,000
Gold₹42,000
📈 SIPs · ₹9,000/month active
Monthly take-home · ₹45,000
Needs · 50%₹22,500
Wants · 30%₹13,500
Savings · 20%₹9,000
Auto-built from your pay day
✓Emergency fund in place
✓Stable income
✓No high-interest debt
✅ Readiness: 82% — ready to invest
How much did I spend on dining out this month?
You spent ₹3,180 on Dining Out — about 12% of your Wants budget.
Set a goal to cut that to ₹2,500?
Done — I'll flag it if you get close. 🎯
This week: saved ₹4,100, 2 nudges
Dining Out is trending up
Subscription renews in 2 days
🧮 See what you can afford — Purchase Power
742Good
Savings rateStrong
Debt healthFair
Emergency fundStrong
Step 4 of 10
"How would you react to a 20% market drop?"
Sell everything
Hold steady
Buy more
Projected net worth · 10 yrs
₹42,00,000
Current path
Current path
What if: no debt
Should I buy a house?
AI scoreGood
StatusPending
Log a decision, get an AI-scored take
Buy a house
+ Change jobs
Combined scenario impact
-₹6,200/mo
vs. current path☀️ Good morning — here's today's brief
Expense logging12-day streak
Budget discipline5-day streak
Next milestone
Build a 3-month emergency fund
📘 Today's lesson: Why an emergency fund comes first
Basics4/6 read
Investing2/8 read
Tax0/5 read
2023 · New job
2025 · Marriage
2027 · Home purchase (planned)
Your code
SPEND-ARIA24
Both get 7 days Premium freeToday
Home EMI due in 3 days
Earlier
Wants budget 80% used
Cash Flow
Net Worth
Category Breakdown
⬇️ Export as PDF/CSV — Premium
17 deduction sections · 80C to 24(b)
80C₹1,50,000
80D₹25,000
NPS (80CCD1B)₹50,000
24(b) — home loan interest₹2,00,000
Old regimeNew regime
💡 Tax opportunity: update your salary structure for HRA
Payoff strategy
1. Car EMIAttack first
2. Personal loanNext
💰 Save ~₹1,20,000 in interest (home loans excluded)
Goal retirement age55
Achievable age58
Required corpus₹3.2Cr
Projected corpus₹2.6Cr
Invest ₹4,200/mo more to close the gap
Life cover₹50,00,000
Health cover₹10,00,000
⚠️ 1 coverage gap found
Android only · filtered on-device before upload
Debited · Swiggy₹450
Debited · BigBasket₹1,120
Review & confirm before it's added
Snap a photo — Spendglide fills in the rest
MerchantBigBasket
Amount₹1,120
CategoryGroceries
📸 Confirm before it's added to Expenses
Car · ₹8,00,000 · 20% down · 60 mo
Monthly EMI
₹13,780
EMI-to-income · Manageable🤖 AI: Medium risk — consider a longer tenure
Cash Flow · Jan–Dec 2026
PDF
CSV
⬇️ Export for taxes or loan applications
Remaining budget, upcoming bills, and your live Financial Health score — the first thing you see every time you open the app.
Pricing
Free to start. ₹199/month if you want more.
Every core tool is free, forever. Premium unlocks the deeper planning tools — with a 7-day free trial.
Free
₹0/ forever
Everything you need to actually run your finances.
- ✓Dashboard, budgets & 50/30/20 salary plan
- ✓Expense tracking — manual entry & voice
- ✓Goals, loans/EMIs, investments & ledger
- ✓Financial Health score & Financial DNA
- ✓Roadmap, Learning Hub & Insight Feed
- ✓AI CFO — 3 AI purchase-advice replies a day
7-day free trial
Premium
₹199/ month
or ₹1,499/year — save 37%
- ✓Everything in Free, plus:
- ✓Tax Planner — 17 deduction sections & regime compare
- ✓Debt Optimizer — loan payoff strategy
- ✓Retirement Planning & Insurance Vault
- ✓Purchase Power Simulator — EMI/down payment planning
- ✓Future Me, Decision Center, Life Planning & Mission Control
- ✓Receipt scanning & SMS Auto-Import
- ✓Report export — PDF/CSV
- ✓AI CFO — 20 AI purchase-advice replies a day
Cancel anytime from Profile → Spendglide Premium. All prices shown in INR.
Tax Planner
Debt Optimizer
Retirement Planning
Insurance Vault
SMS Auto-Import
Receipt Scan
Report Export
Purchase Power
Future Me
Decision Center
Life Planning
Mission Control
Security & trust
No bank login. Ever, by design.
Spendglide never asks for your net-banking credentials — there's no bank-linking feature to exploit, because there isn't one. Here's what actually protects your data:
- ✓Face ID, fingerprint, or a 4-digit PIN to open the app — stored in your device's secure keystore
- ✓The app locks itself automatically the moment you background it
- ✓SMS auto-import (Android only, if you turn it on) is filtered on your device first — only transaction-shaped messages ever reach our servers
- ✓Your data is never sold, and never used for third-party ads
- ✓Export your data or delete your account anytime from Security & Privacy
Why Spendglide
Built differently, on purpose.
Privacy by architecture
We can't leak your bank credentials — we never ask for them. No account linking, no open banking. Just the data you choose to give it, in your control.
AI that knows your numbers
AI CFO is powered by Anthropic's Claude and grounded in your real financial data — not generic advice copy-pasted from the internet.
Made for how India gets paid
₹ throughout, Indian number formatting, 80C/80D/NPS tax rules, and a privacy policy scoped to the DPDP Act — not a US app with the currency swapped.
FAQ
Good to know.
Yes. Dashboard, budgeting, expense tracking (manual & voice), goals, loans, investments, Financial Health score, and 3 AI purchase-advice replies a day from AI CFO are free forever. Premium (₹199/month or ₹1,499/year) unlocks Tax Planner, Debt Optimizer, Retirement Planning, Insurance Vault, Purchase Power Simulator, Future Me, Decision Center, Life Planning, Mission Control, receipt scanning, SMS auto-import, and report export — with a 7-day free trial.
No. Spendglide never asks for your net-banking credentials and has no bank-account-linking feature. Your data comes from what you enter manually, scan from a receipt, say out loud, or — if you opt in on Premium — SMS auto-import, which is filtered on your device before anything is sent to our servers.
A chat assistant, powered by Anthropic's Claude, that answers questions using a snapshot of your real financial data. It's informational and educational — not a licensed financial advisor — so always double-check anything before a big decision. See our AI Disclaimer for details.
Spendglide is built for India today — INR only, Indian number formatting, and tax planning around 80C/80D/NPS and the old vs new regime.
Lock it with Face ID, fingerprint, or a 4-digit PIN — stored in your device's secure keystore, not on our servers. The app re-locks automatically every time you background it.
Yes, anytime, from Profile → Security & Privacy → Delete Account. Use "Export my data" first if you want a copy of your financial history. See our Privacy Policy for details.
Ready when you are
Get Spendglide.
Free to start, INR by default, and built for how you actually get paid. Available on iOS and Android.
Store links go live at launch — tap either button above to get an email the moment Spendglide ships.