Cumulate: AI Budget & Expenses

Cumulate is a personal finance app built around one idea: logging money should feel like sending a text. TYPE IT AND IT'S SAVED Write "coffee 4.50" and it's logged instantly — no forms, no dropdowns, no waiting. Cumulate reads the amount, picks the category, and files it. "grab 18.90 yesterday" and "+3000 salary" work too. Every entry can be edited or undone with one tap. SNAP A RECEIPT, IMPORT A STATEMENT Photograph a receipt and the amount, merchant and date are filled in for you. Drop in a bank statement PDF and every transaction is extracted at once — review the list, uncheck anything you don't want, and save. The original image or PDF stays attached to the transaction. CATEGORIES THAT LEARN Fix a category once and Cumulate remembers it for that merchant. It will also offer to correct the transactions you have already logged from the same place, so a single tap cleans up months of history. TRUE MULTI-CURRENCY Every transaction keeps its own currency. Type "¥500 ramen" on holiday and it stays in yen, while your totals convert to your home currency using daily exchange rates. Change your base currency and Cumulate offers to convert everything you have logged. SEE WHERE IT WENT Cashflow in and out across a week, month, six months or a year. Trend and comparison charts, a category breakdown you can switch between bars and a donut, and a tap-to-drill-down view that goes straight to the underlying transactions. BUDGETS AND GOALS Set spending caps per category or overall, and watch live progress bars turn amber then red. Create savings goals, contribute to them from the chat, and track every contribution. ASK ANYTHING "How am I doing this month?" — the built-in assistant answers from the data you have actually logged, with charts inline. Turn AI replies off any time in Settings — logging, goals and budgets keep working either way. YOUR DATA IS YOURS Export everything as CSV whenever you want. Delete individual transactions, all transactions, or your entire account from Settings — permanently, no email required. Your data is protected by row-level security, and we do not sell it or share it with advertisers. Cumulate provides informational summaries based on the data you log. It is not financial, investment or tax advice. Try out the Chat-First experience for your personal finance tracking today!