Capture
Capture from wherever you are
Record one expense at a time by voice, type a natural-language entry, or use manual fields when you already know the details. The Home Screen widgets support direct voice capture and open-in-app recording.
SpeakanceBuilt for iPhone and iPad · Español by default
Capture expenses anywhere.
Close the loop.
Speak, type, or enter expenses manually. Start voice capture from the app, direct widget, or Open & Record widget, then compare a card-statement PDF against your ledger, review only uncertain matches, and keep everything synced across trips, cards, categories, subscriptions, and insights.
Voice, text, and manual capturePDF statement matchingWidgets + Live ActivitiesOffline queueAccount syncSiri + App ShortcutsTrips, cards, categoriesSubscriptionsDaily AI safeguardsPDF + CSV exportsBackup import/exportSpanish + English
Speakance
Capture • Statements • Ledger • Insights
Capture
Speak, type, or enter manually · Trip optional
Ready
VoiceTextManual
Widget voice captureLive Activity timer with stop and cancel controls
00:12
Visa statementFeb 1–29 · Card ending 4242
Compared
12 Matched2 Review1 Missing
Ledger • Feb 2026
Month · Status · Trip · Card · Currency filters
Up to date
Month
US$1,240
Entries
34
Status
Clear
Food · Tacos
Reconciled · Visa · 23 Feb · Text
US$22
Transport · Uber
Unreconciled · Amex · 23 Feb · Voice
US$18
Subscriptions · iCloud
Recurring · Default card · 22 Feb
US$10
Insights
Momentum, category drilldowns, trip filters, subscriptions
Add subscription
Statement reconciliation
Turn a card statement into a clean ledger.
Import a PDF, choose the card it belongs to, and let Speakance compare statement charges with saved expenses. Clear matches are ready to confirm; ambiguous, missing, and app-only items stay visible for you.
1
Import securelyPDFs and passwords are read on your device.
2
Compare intelligentlyMatch by card, date, amount, and currency.
3
Confirm with controlAdd missing charges and reconcile selected matches.
Optional AI help only receives filtered, redacted transaction text after you choose it. Full card and account numbers, profile details, and PDF passwords are not included.
Reconciliation resultsVisa 4242 · February
Ready to confirm12Matched
2Needs review
1Missing in app
0Missing in statement
✓
Mercado San JuanStatement and ledger · Feb 18
MX$486?
Uber tripTwo possible ledger matches
MX$178+
AdobeFound in statement · Add to Speakance
US$23Confirm 12 matches
Built for everyday use
Capture first. Reconcile when you are ready.
Speakance is designed for real-world use: record in the moment, keep processing in the queue, get notified when an expense is ready, compare your statement later, and let recurring subscriptions surface as charge reviews before they become ledger drift.
Input
Voice, text, manual
Fast access
Widgets + Live Activity
Sync behavior
Cloud sync + offline queue
Ledger control
Statement match + bulk edits
Reports
Trip, PDF, CSV
Language
Español + English
Review
Review only when a capture needs it
Clear captures can be saved automatically, and when something needs review you can edit amount, currency, category, date, trip, card, merchant, and description before it lands in the ledger. Due subscription charges use the same focused review flow.
Ledger
Reconcile with real statement context
Import a supported statement PDF, compare it with one saved card, confirm automatic matches, review close candidates, and add selected charges that are missing from Speakance.
Insights
See totals and category patterns
Filter insights by trip, card, currency, and month. Drill into category segments, compare month-to-month momentum, see notable charges, filter by trip, and keep active subscriptions visible.
Trips
Keep trip spending organized
Assign expenses to trips, filter the Ledger and Insights by trip, reconcile the underlying charges, and create trip-scoped PDF or CSV exports when needed.
Control
Manage the data behind the ledger
Manage trips, payment methods, default currency, capture language, custom categories, notifications, PDF and CSV exports, JSON backup import/export, monthly cleanup, tutorial replay, and account actions directly in the app.
Recurring
Bring subscriptions into the same ledger
Add weekly, monthly, or yearly subscriptions with category, payment method, currency, and next-charge dates. When a charge is due, Speakance can open it as a review-ready expense instead of hiding it in a separate tracker.
Widgets
Keep capture and status on the Home Screen
The widget shows today's totals, recent expenses, top categories, and queue status. During recording, Live Activity and Dynamic Island controls let you stop or cancel quickly.
Account
Sync, recover, and leave cleanly
Sign in with email/password or Apple, confirm email links on the web, reset passwords, and delete your account and synced data from Settings when you are done.
Limits
Stay useful when AI pauses
Voice, text, and optional AI statement parsing use separate safeguards. Manual entry, local statement reading, ledger editing, exports, and backups remain available when an AI limit is reached.
Languages
Español first, English anytime
New users start in Spanish and can switch the app to English during setup or later in Settings. App language and capture-parsing language remain independently configurable.