Find out where your money goes, just by asking
Connect your banks read-only and SmartFinance sorts every transaction into categories, with AI for whatever it doesn't recognise. Then ask the SmartMatrix assistant how your month is going, where you spend most or how much you have left in your budget.
Free · AI included every month · nothing saved until you confirm
How it works
- Where am I spending the most this month?
- Read this month's transactions in SmartFinance
- Built a chart by category
- Supermarkets lead with €312, then restaurants (€148) and transport (€96). Restaurants are already 40% above last month.
What you get
Every bank in one view
Regulated, read-only open banking (PSD2): the app can't move money. Add cash or brokers by hand.
Automatic categories
Categorise a merchant once and the app learns the rule; AI sorts the rest.
Budgets that warn you
A monthly budget and per-category limits, with what's left to spend on the front page.
Answers, charts and tables
Ask in your own words and get the figure, a chart by month or a table you can download.
How to start
- Try it in the demo, no account: ask about the spending of a sample user.
- Create your free account and connect your banks or add accounts by hand.
- Set a budget and ask the assistant whenever you want.
Frequently asked questions
Can it move my money?
No. The bank connection is read-only (account information only); the app can't make payments or transfers.
Is it free?
Yes. The AI that categorises transactions and answers your questions uses the AI included in your account.
Which banks does it support?
Banks available through the Enable Banking open-banking service, plus any account you keep by hand and Revolut statement imports.
Other things to do with SmartMatrix
Gym routine with AI
Ask an AI for a gym routine that fits your level, your days and your equipment, then follow it in HyperTraining with set logging, records and progress. Free, nothing to install.
Meal planning with AI
Plan the week's meals with AI: recipes with calories and macros per ingredient, a weekly menu and the shopping list with quantities already added up. Free in SmartNutrition.