Speko: AI Expense Tracker

Your money, made clearer.

Speko is the expense tracker you talk to. Hold the talk button, say what you spent in English or Hinglish, and Speko turns it into entries you check before saving. "Coffee 4.50 and parking 12" becomes two entries. No bank login needed.

SPEAK IT. CHECK IT. SAVE IT.
• Say one spend or several in a sentence. Review the amount, category, merchant and date, fix anything, then save.
• Log money you receive and money you lend, too.
• Prefer typing? Typing an entry is always free.

SCAN A RECEIPT, THEN CHECK THE DETAILS
• Photograph a receipt, pick a photo or screenshot, or share an image to Speko from another app. Speko reads the merchant, total, date and line items for you to review.

A SHARED BILL, A CLEARER BALANCE
• Split a bill equally with a friend and send the invite through the app you choose. They can accept it in Speko.
• Settle up by opening the payment app you choose with the amount filled in. Speko records money; it never moves it.

BRING YOUR STATEMENT. REVIEW THE DETAILS. (PREMIUM)
• Import a bank or card statement as a CSV, XLSX or PDF file, in Speko or from the share sheet. Review income, spending and suggested categories before anything is added. You never share a bank login.

SEE WHERE IT GOES
• Wallets, category budgets, history and a clear view of this month's spending.
• Several currencies, converted with daily exchange rates.
• Ask Speko about your spending and get answers from your own totals.

Speko is a budgeting tool, not a licensed financial advisor.

YOUR DATA
• No account needed to start. No bank linking. No ads. No data sales.
• Your saved entries are stored in an encrypted database on this iPhone, with an optional Face ID lock.
• Voice and AI features send the content needed to cloud services: your voice for transcription, and the words, receipts, statements and questions you choose to send. Speko's server doesn't keep that content; our AI partners process it under their own terms. The privacy policy names each partner and what it receives.
• Export an encrypted backup file, or your entries as a CSV file, whenever you like.

FREE AND PREMIUM
Free: typing, budgets and insights always, your first 15 voice or receipt captures, 20 AI questions a month, one wallet, the last 90 days of history and 5 new splits a month. Accepting a split and settling up are always free.

Speko Premium: fair use of 500 voice or receipt captures and 150 AI questions a month, more wallets, your full history, statement import, no monthly split limit, a month-end forecast and savings goals.

Speko Premium is offered as a monthly or yearly auto-renewing subscription, or as a one-time lifetime purchase. Prices are shown in the app before you buy. Payment is charged to your Apple Account. A subscription renews automatically unless cancelled at least 24 hours before the end of the current period; manage or cancel it in your Apple Account settings.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://vikasa.studio/speko/privacy/