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.
1.0.4
August 23, 2026
Bug fixes and stability improvements • Fixed AI quick entry not working • Fixed a crash on the chat screen • Fixed a crash when adding a fixed expense • Improved merchant name recognition so more entries are logged instantly • Fixed member names not showing in shared ledgers • Fixed the launch screen flashing light in dark mode
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.
