Effortlessly track expenses using voice commands and AI analysis. Get personalized insights, set budgets, and manage finances with your family. Choose from various AI personalities to guide your financial journey.
1.0.2
August 7, 2026
Snap a receipt — logging is done. • Receipt & screenshot scanning Take a photo of a receipt or pick a banking-app screenshot, and AI logs it for you. Text recognition happens on your device, so your photos are never uploaded. • Automatic subscription detection We spot recurring charges each month and offer to save them as fixed expenses. • Search your transactions Search all history by merchant or memo and see the count and total instantly. "How much did I spend at Starbucks?" — answered in one tap. • Lock Screen widget Check your remaining budget from the Lock Screen and tap once to log an expense. • Log with Siri Just say "Log an expense in Payto" and you're done. • Design refresh Added a soft ambient gradient and refined the dark mode palette throughout. • Bug fixes Fixed an issue where the Stats, AI, and Settings screens could appear blank or fail to scroll on some iOS versions, plus other minor fixes.
MoreUnlimited AI Auto-Categorization & Smart Insights
Payto uses voice and natural language input to log expenses. You can simply speak or type entries like "lunch 7 dollars," and the AI automatically categorizes and saves them. It also supports automatic fixed expense tracking and installment payment tracking.
Payto offers six AI personality styles to match your preferences, including a Friendly Coach, Devil Mode, Strict Teacher, Best Friend, Wall Street Trader, and Minimalist. Each offers a different approach to financial guidance and analysis.
Yes, Payto allows you to manage finances together with family and partners. You can invite members with a single code to see who spent what in real time and manage shared budgets.
Payto offers daily AI insight cards and monthly AI deep analysis reports. These reports break down spending, compare it to previous months, identify areas of waste, and provide saving tips.
The core features of Payto are completely free to start. This allows you to begin tracking your expenses and understanding where your money is going without any initial cost.
Yes, Payto contains advertisements. As a free application with in-app purchases, advertisements are displayed to support its continued development and operation.
Payto is currently supported on iPhone and iPod devices. The app is designed for iOS users looking for advanced expense tracking capabilities.
Payto was last updated on April 16, 2026, with version 1.0.1. The app is actively maintained to introduce new features and ensure reliability.
