Say what you spent.
Know where it went.
Eliminate tedious manual expense tracking forever. Tap the mic and speak naturally in Bangla or English using built-in on-device Native STT or your preferred AI voice engine (BYOK). All logged into an encrypted offline vault with zero tracking.
Everything you need to master your money, by voice.
Designed from the ground up for zero cognitive friction, tactile responsiveness, and complete privacy.
Native On-Device STT & Pluggable BYOK Voice Engines
Never tap through dropdowns or date pickers again. Speak naturally in Bangla or English using the built-in offline Native STT engine or connect your preferred AI provider (Google Gemini, OpenAI Whisper, Deepgram) via Bring-Your-Own-Key. Extracts amounts, categories, and merchants in milliseconds.
Zero-Knowledge 256-Bit SQLCipher Vault
Your financial transactions belong to you alone. SpeakMoney stores all data in a local Drift SQLite database encrypted with 256-bit AES SQLCipher. The encryption key is secured behind Android Keystore and optional Biometric Face/Fingerprint unlock.
In My Pocket & Safe-To-Spend Today
Forget rigid spreadsheets that make you feel guilty. SpeakMoney recalculates your realistic daily spending allowance in real time based on your active month's income, fixed bills, days remaining, and logged expenses.
Lending & Borrowing Personal Ledger
Never forget who owes you money or what debts you need to settle. Track loans given to friends and borrowed funds, record partial or full repayments, attach due dates, and keep your personal relationships clear and stress-free.
Flashback Memories: Financial Time Travel
Ever wondered what you spent on this exact day last month or exactly 365 days ago? SpeakMoney's Memories Feed surfaces your spending habits across time to help you build intuition, recognize recurring impulse purchases, and celebrate savings milestones.
Interactive Analytics & Lossless Data Portability
Visualize your cash flow with interactive donut charts, merchant leaderboards, and weekly burn rates. Sync securely to your private Google Drive appDataFolder and export your entire financial history to clean CSV, Excel (.xlsx), or JSON with a single tap.
Zero servers. Zero trackers. Zero leaks.
We engineered SpeakMoney so that we physically cannot access your financial records even if subpoenaed.
Compare How Your Financial Data Is Handled
User Device Only (Android Keystore / iOS Keychain)
Transactions, balances, and categories stay locked inside 256-bit AES SQLCipher. Zero data packets leave your device.
Wake up knowing your Safe to Spend Today.
No rigid guilt-inducing spreadsheets. SpeakMoney dynamically recalculates your daily limit as transactions occur.
Try the "Safe to Spend Today" Formula
How SpeakMoney compares against the industry.
Built for people who care about ownership, privacy, and speed over corporate bloat.
| Dimension | SpeakMoney (BYOK) | Typical Cloud Trackers | Manual Spreadsheets |
|---|---|---|---|
| Voice-First Natural Speech Log expenses by speaking naturally in Bangla or English | Native On-Device STT + Pluggable BYOK (Gemini, Whisper, Deepgram) | Manual dropdowns or rigid keywords | Manual typing on tiny keypad |
| Voice Engine Flexibility & BYOK Freedom to choose your speech provider without lock-in | Built-in Native STT or Bring-Your-Own-Key ($0 / Free Forever) | Locked into single proprietary cloud server | No voice capability |
| Lending & Borrowing Ledger Track money lent to friends and debts owed with repayment records | Built-in personal ledger with status tracking | Rare / Locked behind paid tiers | Messy custom formula tables |
| Data Ownership & Storage Where your personal transactions and financial history are kept | 100% On-Device Encrypted (SQLCipher AES-256) | Centralized cloud database | Unencrypted cloud drive |
| Google Drive Private Backup Lossless cloud backup directly to your private appDataFolder | End-to-end user-controlled drive backup | Vendor-locked proprietary cloud | Manual file saves |
| Subscription Cost Monthly recurring expense to track your own expenses | Free Forever ($0 / BYOK) | $4.99 - $14.99 / month | Free (high manual effort) |
| Third-party Financial Trackers Selling or analyzing your anonymized transaction logs | Zero Trackers / Zero Telemetry / Local-First | Aggregated advertising & marketing | Depends on cloud provider |
| Flashback Memories Relive spending habits from exactly 1 month or 1 year ago | Automatic daily flashbacks | Rare / Paid premium feature | Complex manual formulas |
| Offline Operation Ability to record transactions on airplanes or subway commutes | Full offline on-device speech recognition | Requires active internet | Partial offline mode |
Got questions? We have answers.
Everything you need to know about Native On-Device STT, BYOK voice engines, SQLCipher encryption, and offline usage.
Speak it, Log it, Track it.
Install SpeakMoney directly from the Google Play Store for verified security and seamless automatic updates. 100% free with built-in Native On-Device STT, zero subscriptions, and complete on-device privacy.
Scan for Google Play Store
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