Expense tracker

The expense tracker you use like a chat

Most expense trackers die in week two because logging takes too many taps. In Cumulate you type what you spent, like a text, and it’s saved before you put your phone down.

One line, fully filed

Amount, category and date come from what you type. “coffee 4.50 x 2” does the maths; “dinner 120/4” splits it.

Where did my money go?

Ask in plain words, or open Insights for the week, month, six months or year, by category, with the entries behind every number.

Bills that log themselves

“netflix 15.99 monthly” schedules it. Instalments like “iphone 1299 over 12 months” track what’s left.

Do I need to use AI?

No. Typed entries are understood on your phone instantly. AI is only used for free-form questions, receipts and statements, and you can turn the assistant off.

Can I export my data?

Yes, as CSV from Settings, and you can delete your account and everything in it in-app.