See your money before you spend it.
Your complete finance app. Daily spending guidance, AI coaching, savings goals, and smart insights that keep you ahead.
Budgeting apps show you the past.
ChaiSpend shows you what's ahead.
Instead of color-coded pie charts of last month's damage, you get one clear number each day. Spend within it and you're on track. No spreadsheets, no guilt, no constant tweaking.
Features
Built to change how you spend
One number. Every morning.
Wake up knowing exactly what you can spend today. ChaiSpend calculates your daily allowance from your income, bills, goals, and actual spending. No guessing.
Today you can spend
$432
.77 per day
Ask anything about your money.
Can I afford this trip? What am I spending the most on? Just ask. ChaiSpend's AI pulls up real answers with interactive cards you can tap into.
Can I afford a trip to Japan in October?
Let me run the numbers on that for you:
Savings Projection
Achievable ✓
Monthly savings needed
$430
Months available
7
You'd need to save $430 per month to hit $3,000 by October. Totally doable with a few small adjustments.
Automate the boring stuff.
Set rules once and ChaiSpend applies them to every new transaction. Auto-categorize, flag recurring charges, rename descriptions. Set it and forget it.
Merchant contains "AMZN"
Set category → Shopping
Amount > $100
Flag for review
Description contains "subscription"
Mark recurring
And a lot more under the hood
Everything you need to stay ahead of your money, in one app.
Bank Sync
Connect bank accounts and credit cards. Transactions flow in automatically.
Goal Tracking
Set savings goals with deadlines. Your daily allowance adjusts automatically to keep you on pace.
Weekly Reviews
A concise weekly summary of your spending patterns, wins, and what to watch.
Smart Categories
AI categorizes transactions automatically. Create custom categories and merchant rules.
Household Sharing
Invite a partner or family. Share accounts and budgets with role-based access.
Multi-Account
Connect PayPal, Coinbase, Kraken, and more alongside traditional bank accounts.
Your transaction data deserves better
Many “free” budgeting apps monetize your financial data behind the scenes. They sell your transaction history to data brokers, serve you targeted ads, and build profiles on your spending habits. That's not budgeting. That's surveillance.
We never sell your data
Some popular budgeting apps make money by selling your transaction data to advertisers, hedge funds, and data brokers. We don't. Our only revenue comes from subscriptions.
Bank-level encryption
All connections to your financial institutions use PCI DSS certified providers with end-to-end encryption. Your credentials never touch our servers.
No ads. Ever.
You're the customer, not the product. No targeted ads, no sponsored content, no "partner offers" based on your spending habits.
Minimal data retention
We only store what's needed to run the app. We don't build behavioral profiles, and we don't share your information with third parties.
When you pay for ChaiSpend, you're the customer. Not the product.
Get started
Three steps to spending confidence
Connect your accounts
Link banks, credit cards, and external accounts. ChaiSpend syncs transactions automatically.
Set your income and goals
Tell us what you earn and what you're saving for. We build a spending plan around your life.
Spend with confidence
Check your daily number each morning. Stay on track without spreadsheets or guilt.
Ready to spend smarter?
Be the first to know when we launch.