Payto - AI Expense Tracker
Budget Planner & Expense Log
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Track your spending, grow your savings.
Just say it out loud. AI sorts the category and saves it instantly.
Every day, AI analyzes your habits and cheers you on.
[ Record by Talking ]
Say "lunch 7 dollars" or "three items at the convenience store."
Speak or type naturally, and AI figures out the amount, category, and date.
No need to pick a category yourself.
[ Choose Your AI Personality ]
Pick from 6 styles that match your vibe.
Friendly Coach - warm encouragement
Devil Mode - harsh truth when you need a push
Strict Teacher - focused on hitting your goals
Best Friend - relatable, casual, and real
Wall Street Trader - ROI and opportunity cost breakdowns
Minimalist - numbers and facts only
Ask anything.
How much did I spend on coffee this month?
If I save 300 dollars a month, how much will I have in a year?
Your AI answers right away.
[ Monthly AI Deep Analysis ]
Find out where you spent the most and where you wasted money.
Get a full report with category breakdowns, last month comparisons, and saving tips.
[ Together With Family and Partners ]
Manage finances together with your partner, roommate, or family.
Join with a single invite code and see who spent what in real time.
[ Key Features ]
- Voice and natural language input
- AI chat assistant
- Daily AI insight card
- Monthly AI deep analysis report
- 150+ detailed spending categories
- Automatic fixed expense tracking
- Monthly budget and reminder alerts
- Installment payment tracking
- Shared budget (invite members)
- Dark mode
[ Free to Start ]
Core features are completely free.
Start today and find out exactly where your money is going.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://payto.work/privacy
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
- Minor bug fixes
- Added challenge feature
The developer, Beomjin In, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
- Contact Info
- Identifiers
- Usage Data
- Sensitive Info
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Beomjin In
- Size
- 93 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 4 more
- English, French, German, Japanese, Korean
- Age Rating
9+
- 9+
- Infrequent
Profanity or Crude Humor
Contains
Advertising
Health or Wellness Topics
- In-App Purchases
Yes
- Payto Pro (Annual) $44.99
- Payto Pro: Monthly $4.99
- Copyright
- © 2026 BeomCoading Inc