Budgeting as easy as talking
Start today for free and get better with money.
Your voice data is encrypted and never sold.
Talk to your budget. It just listens.
Tap the mic, say what happened. SpeakCents categorizes it, files it, and updates every budget, goal, and transaction in real time.
- “Add $42 groceries at Whole Foods yesterday.”
- “Change last coffee to $6.50 and tag it work.”
- “Delete the duplicate Uber.”
“Add forty-two dollars groceries at Whole Foods yesterday.”
Real screens. Real numbers.
These are actual screenshots from SpeakCents — no mockups. Here's what your money looks like once you start talking to it.
Your whole month, in one glance
Net cash flow, income vs. expenses, and a financial health score that tells you plainly whether this month is working. Tap play and SpeakCents reads you the recap out loud.
- AI voice summary of the month you can listen to hands-free
- Net cash flow with income and expense trends vs. last period
- Financial health score with recommended next actions
Charts that answer questions, not just draw lines
Budget vs. actual, daily spending, savings rate, monthly surplus and deficit — each with its own date range, or synced across the board with one toggle.
- 1M, 3M, 6M, YTD, 1Y, all time, or a custom range per chart
- Budget vs. actual by category, side by side
- Savings rate, surplus, and deficit tracked month over month
The real question: can I actually retire?
SpeakCents answers in income terms, not just a balance. See your projected monthly retirement income, how much of your spending it covers, and how long it lasts where you plan to live.
- Coverage ratio: retirement income vs. the spending it has to fund
- Compare up to 9 scenarios — ages, destinations, income mixes
- Cost-of-living adjusted longevity for ~30 relocation destinations
From “I spent $12” to “I retire at 62.”
Every voice entry feeds the same engine your retirement scenarios run on.
Speak your spend
Add, edit, or delete transactions by voice. No forms, no dropdowns.
Live financial picture
Budgets, goals, income streams and net worth update in real time.
Model your future
Test retirement ages, destinations, and income mixes side by side.
Ready to see your number?
Say your first transaction and get a retirement timeline in minutes.