Your income, spending and net worth across every bank
SmartFinance brings all your bank accounts together: what came in, what went out, what's left against your budget this month and how your net worth has moved. Bank access is read-only — nothing in the app can move money.
This app is enabled on request: create your free account, then ask for access through the contact in the legal notice.
What you can do
Every bank in one view
Connect your banks through regulated, read-only open banking (PSD2), and add cash or brokers by hand.
Net worth history
A real daily history rebuilt from your transactions, over one month, three months or a year.
Budgets
A monthly budget and per-category limits, with what's left to spend shown on the overview.
Automatic categories
Tag a merchant once and the app learns the rule; AI can sort the rest using your own key.
Recurring charges
Subscriptions and regular payments listed so nothing slips by.
Revolut import
Import Revolut statements (pockets and other currencies) — parsed in your browser.
How to start
- Create a free SmartMatrix account.
- Connect your banks or add accounts by hand.
- Set a budget and check the overview whenever you want.
Frequently asked questions
Can SmartFinance move my money?
No. Bank connections are read-only (account information only). The app cannot make payments or transfers.
Is it free?
Yes. AI categorisation of leftover transactions uses your own AI key and is optional.
Which banks are supported?
Banks available through the Enable Banking open-banking service, plus any account you keep by hand.
Other SmartMatrix apps
SmartNutrition
AI-assisted recipe builder with per-ingredient nutrition tracking and weekly menus.
HyperChat
An assistant that reads and creates things across your apps.
HyperTraining
Workout routine builder and training log.
Part of SmartMatrix. SmartMatrix is a free suite of web apps for food, fitness, study and work, with one account and your own AI across all of them. See every app →