Watch: [Spenco AI | Your Month-End Balance, Predicted](https://youtu.be/8tUEi9SSa9I)

Most money apps show you where your money went. **Spenco AI** shows you where it's *going* — and the video above is the fastest way to see what that means. It runs just under a minute.

## What you'll see

**Every rupee, sorted.** Your bank alert emails become transactions the moment they arrive — merchant, amount, category and date, in INR. UPI payments, card swipes and auto-debits land in one ledger without you typing anything in.

**Fixed costs, before they're due.** Rent on the 1st, the home-loan EMI on the 5th, a mutual fund SIP on the 10th. Spenco knows these dates, so on the first of the month you already know that ₹56,950 of October is spoken for — before a single one of them debits.

**Your month-end balance, forecast early.** Salary date, committed outgoings and your current burn rate combine into one number: what will be left on the 31st. You see it in the first week, while there are still three weeks of decisions left to change it — not on the 30th, when all it can do is explain what happened.

## Why a forecast beats a report

A chart of last month's spending describes a month you can no longer change. A forecast is different: if you know on the 8th that the month is heading ₹6,000 short, you can skip the weekend order, move the purchase to next month, or top up from savings on purpose instead of in a panic. The same numbers, seen earlier, turn into control.

## Getting started

Spenco AI runs on the bank alert emails you already get. One Gmail filter forwards them — no SMS permission, no bank login, no Account Aggregator. If you'd rather watch that too, the [two-minute Gmail forwarding video and step-by-step guide](/blogs/get-bank-alerts-into-spenco-gmail-forwarding/) walks through it.

It works with HDFC, ICICI, Axis, Kotak Mahindra, Canara Bank, Punjab National Bank and Bank of Baroda, and it's available on [iPhone](https://apps.apple.com/in/app/spenco-ai-expense-tracker/id6776898606), [Android](https://play.google.com/store/apps/details?id=com.spencoai.spenco) and the [web](https://app.spenco.ai). The Starter plan is free for your first year.

More videos are coming to [our YouTube channel](https://www.youtube.com/@SpencoAI).