# About Spenco AI

Built so your money app never has to sell you out.

## Why Spenco AI exists

Managing money in India means statements scattered across emails, half a dozen bank apps, and a spreadsheet you stopped updating in March. Every app that promised to fix this ended up a rear-view mirror — charts of money already gone — or worse, a loan funnel. Walnut became a lending app. Fi shut down. The pattern repeats because free finance apps have to monetise you somehow. We built Spenco AI to look the other way: forward. (Spenco AI is made in India and is not affiliated with Spenco, the US footwear brand at spenco.com.) It forecasts your burn rate, EMI dates, SIP deductions, and salary cycle, so month-end stops being a surprise.

## How we make money

You pay us. That's the whole model. Spenco's Starter plan — transactions, insights & analytics, a basic dashboard, the auto email parser, and limited AI chat — is genuinely useful and free for your first year, then ₹499 a year. Pro and the one-time Founder plan add the forecast dashboard, net worth tracker, and unlimited AI chat; they're not on sale yet, but when they are, they'll be paid subscriptions, not ad networks, lending partners, or data brokers. Most finance apps are free because you are the product — we flipped it, so paid plans fund the company instead of your data.

## What we believe

Your financial data is yours — export it or delete it any time, no questions asked. Forecasts beat reports: knowing what happens next is worth more than a prettier chart of last month. And software you pay for should respect you — no dark patterns, no spam, no upsell to loans you don't need.

## Who's building this

**Akash Ranjan** — Founder

I built Spenco because I wanted it to exist: one place that reads the statements, reconciles the accounts, and answers the only question that matters — what happens next month. Questions, doubts, security concerns? Ask me directly.

@spencoai on X · tyrisappsupport@gmail.com