SmartSpend AI is a personal finance service in private testing, designed to help people understand their cash flow and make more confident spending decisions. Rather than connecting to bank accounts, it works with PDF statements users choose to download and upload, so banking passwords are never requested and there is no ongoing bank connection. The service uses Google’s Gemini AI to read statement details, then checks the results against the totals printed on each statement.

SmartSpend AI combines information from bank accounts and credit cards into a month-by-month view of cash, card balances, spending, and upcoming bills. Its features help users estimate how much they can safely spend before payday, identify recurring charges and price increases, track changes in their financial position, and see a potential path toward paying down card debt and building savings. It also provides a written summary based on the user’s figures. The company offers a subscription-audit checklist to help people review forgotten charges.