Kiwi Money: AI Track & Budget

Stop wondering where your money went. Kiwi Money is Sri Lanka's automatic expense tracker — we turn your bank SMS alerts into clear spending insights without you lifting a finger.

No manual typing. No spreadsheets. No forgotten expenses. Just total control over your money.

HOW IT WORKS

Every time you make a payment, your bank sends an SMS. Kiwi Money reads that alert and automatically logs the transaction — the amount, the merchant, and the category.

Unlike other expense tracker and money manager apps that require manual entry, Kiwi Money automates everything. If your bank sends an SMS, we handle the rest.

AUTOMATIC EXPENSE TRACKING

- Logs every transaction the moment your bank sends an SMS alert
- Works with debit cards, credit cards, and bank transfers
- No manual data entry — ever
- Captures merchant names, amounts, and dates automatically

AI-POWERED CATEGORISATION

- Expenses automatically sorted into categories like fuel, groceries, dining, and more
- Kiwi's AI learns your spending habits and improves over time
- Create custom categories to match your lifestyle

SMART BUDGETING & SPENDING LIMITS

- Set monthly budgets by category and track them in real time
- Budgets update automatically as you spend
- Let Kiwi generate smart budgets based on last month's spending
- Stay on track with visual progress indicators

VISUAL SPENDING INSIGHTS

- See how much you spent on fuel, groceries, dining, transport and more
- Daily, weekly, and monthly breakdowns with clean charts
- Track spending trends to find saving opportunities
- Export transaction data to CSV

ALL YOUR BANK BALANCES IN ONE PLACE

- View balances across all your cards and accounts without switching apps
- No bank logins required — we read balances from SMS alerts
- Supports multiple accounts from different banks

BUILT FOR SRI LANKAN BANKS

Kiwi Money supports SMS formats from 11+ Sri Lankan banks and growing:

- Commercial Bank
- Sampath Bank
- HNB (Hatton National Bank)
- Bank of Ceylon (BOC)
- Seylan Bank
- Nations Trust Bank
- NSB (National Savings Bank)
- DFCC Bank
- HSBC Sri Lanka
- Standard Chartered Sri Lanka
- Amana Bank

PRIVACY & SECURITY

- No bank logins — we never ask for your banking credentials
- SMS reading limited to transaction alerts — we cannot read personal messages
- Data encrypted and stored securely
- We never sell or share your financial information
- You pay a subscription. That's how we make money. Nothing else.

KIWI PLUS — TRY FOR 14 DAYS

Experience automated money management with a 14-day trial. Kiwi Plus gives you unlimited expense tracking, advanced insights, budgeting tools, and priority support. Monthly, annual, and lifetime plans available.

REFERRAL PROGRAM

Share your referral code with friends and earn subscription extensions when they sign up.

WHY KIWI MONEY?

Most expense tracker apps require manual logging. That's why most people give up after a week. Kiwi Money automates everything through SMS parsing — a smart workaround for Sri Lanka where open banking APIs don't exist.

Whether you're looking for an expense tracker, a money manager, or a budget planner built for Sri Lanka, Kiwi Money does it all — automatically. Set it up once, and your finances track themselves.

PERFECT FOR

- Anyone tired of manual expense tracking
- Sri Lankans who want a finance app that works with their banks
- People who want to understand spending habits without effort
- Anyone looking for a budget tracker, money manager, or spending tracker for Sri Lanka

Download Kiwi Money today. Your bank SMS is already doing the work — let Kiwi turn it into financial clarity.

Recent changes:
Kiwi Tax is live
Sri Lanka's filing season is on, and you can now handle it from Kiwi Money. The tax screen counts down to the deadline, shows the plans, and hands everything to our team through the in-app portal. If you are just getting started, choose "File my taxes" during setup and we take you straight there.