Spent so far
October$1,268
of $2,000 budget
Today · day 17 of 31
Over pace
$171
You can spend
$52 /day
Left
14 days
Expense tracking, on WhatsApp
Text what you spent.
Know where you stand.
Cash or card: send a few words, a receipt or a voice note. Jotto sorts the expense and shows your month’s spending against your budget. No bank connection needed.
Start free on WhatsApp- No bank connection
- Never reads your SMS
- Free plan, no card
uber 18
💸 Logged $18.00 at Uber → Transport.
📊 This month: $1,268 of $2,000 · $52 a day left
how much on food this week?
💸 You've spent $164 on Food & Drink this week across 6 transactions.
An example conversation.
12:04
Money
Spent so far
$1,268
Today · day 17 of 31
Over pace
$171
You can spend
$52 /day
Left
14 days
Where it went
Day by day
average $75 · busiest 6 Tue
What you get back
Know your pace,
not just your total.
Set a monthly budget and caps for the categories you care about. Every spending reply says where the month stands, and Jotto tells you when a category goes over.
Day by day
average $75The line is what each day can take to stay on budget. Days above it ate into the month.
Where it went
Food & Drink$620$20 over cap
Groceries$29523% · 74% of cap
Transport$23118% · 77% of cap
Bills & Utilities$12210% · no cap
Pay, then tell Jotto.
It handles the sorting.
Cash or card, it all counts the same way.
Text
A few words
The amount and where it went, in any order. Jotto picks the category.
doordash 32
💸 Logged $32.00 at DoorDash → Food & Drink.
Lands in$32Food & Drink
Photo
Snap the receipt
Jotto reads the total and the shop, and files it under the right category.
💸 Logged $46.80 at Corner Market → Groceries.
Lands in$46.80Groceries
Voice
Say it on the way out
A voice note like “paid the doctor 60 cash” is logged just like a text.
💸 Logged $60.00 on doctor → Health.
Lands in$60Health
Start free on WhatsApp
Free plan, no card. Nothing to install.
Track cash and card spending.
No bank connection needed.
Jotto doesn’t link to your bank or read your SMS. It knows the payments you tell it about, cash included, and nothing else.
No bank login
There’s nothing to link and no password to hand over.
Your SMS stays private
Jotto never asks to read your inbox, so your OTPs and personal messages stay yours.
Cash counts too
The taxi and the cash at the market go in like everything else.
Subscriptions add up quietly.
Jotto speaks up first.
Jotto spots subscriptions like Netflix, and anything you call monthly, like rent or your phone plan. It can remind you before the next charge, and your dashboard adds them up, so you see what they cost you a month.
Jottoonline
Heads up Sam — your Netflix payment of $15.49 is due tomorrow. Manage it at https://app.heyjotto.com/subscriptions anytime.
Message
Every month
$264
$3,168 a year · 5 active
Next up
Netflix
$15.49
Due tomorrow
Ask like you’d ask a friend.
Get the number.
Questions are free and never count toward your allowance.
how much did I spend on food this week?
💸 You've spent $164 on Food & Drink this week across 6 transactions.
what did I spend on transport last month?
💸 You've spent $342 on Transport last month across 19 transactions.
how much did I spend yesterday?
💸 You've spent $98 yesterday across 3 transactions.
Start free.
Keep everything you log.
- 50 logged messages every month. Questions and corrections don’t count.
- Need more? Pro is unlimited for $5 a month, or $50 a year.
- One plan covers meals, spending, reminders, notes, habits and saved links.
Start free on WhatsApp
No card. Your first message is the sign-up.
Not only money
That lunch had calories too.
Jotto logged both.
“Chicken rice bowl from KFC, 12” becomes a $12 expense and a 612 kcal meal. The same chat keeps your to-dos and notes.
Questions about
tracking spending.
Do I have to connect my bank?
No. Jotto never asks for a bank login and never reads your SMS. It only knows the payments you tell it about.
What about cash?
It works the same way. Text the amount and what it was for, like “taxi 14” or “farmers market 22 cash”.
Which currency does it use?
Jotto sets your currency from your phone number, so a US number gets dollars. You can change it in Settings.
Can I set a budget?
Yes, a monthly total and caps for any category, on your dashboard. Every spending reply then shows where the month stands, and Jotto tells you when a category goes over its cap.
Can I export my spending?
Yes. Download every transaction as a spreadsheet (CSV) from Settings any time, or everything you’ve logged as one file.
Does it split bills with friends?
No. Jotto tracks your own spending. For shared expenses, log your share.