$291,647.25
▲ $12,480 · 4.5% this year
Cash & bank€18.2K · £6.4K · IDR 24.4M$48,203
Gold312 g XAU$31,105
Stocks & funds4 brokerages · 11 holdings$121,410
Property & vehicle2 items$29,229
Crypto0.62 BTC · 4.1 ETH$62,940
Loans & IOUs2 open−$1,240
Expense tracker · net worth tracker · AI assistant
Track every penny.
Watch your net worth grow.
Ask anything.
Log spending in seconds and keep every budget on track. See everything you own, in every currency, as one net worth number. And let the built-in AI assistant do the data entry, find the patterns, and answer whatever you want to ask about your money.
Free foreverNo card requiredPro is pay what you want, from $36 a year
What Hundo is
A personal finance app that tracks spending, budgets and net worth in one place.
Hundo handles every account, currency and asset you own - cash, credit cards, stocks and funds, crypto, gold, property, loans and IOUs - and converts them into a single net worth figure at today’s rates. A built-in AI assistant enters transactions for you, answers questions about your own numbers, and builds insights you can pin to your dashboard.
Who Hundo is for
Your money is in more than one currency
Salary in one, savings in another, spending in a third. Hundo values all of it in the currency you think in, at today's rate.
You own more than a bank balance
Stocks, crypto, gold, property, a car, money a friend still owes you. They all count toward one number.
You have quit a tracker before
It was slow, or it was ugly, or logging one coffee took six taps - so the habit died. Hundo is quick and worth looking at, and falling behind for a week does not break it: ask the assistant to reconcile and your ledger matches real life again.
Expense tracking
Five ways to log an expense.
Hundo is an expense tracker you will keep using, because getting a transaction in takes one line. Every entry ends the same way: the AI drafts it, you approve. Nothing posts to your ledger until you say so.
Type a line
"coffee 4.20 at Blue Bottle, paid with Amex" comes back as a complete draft.
Snap a receipt
The AI reads amount, merchant, and date from the photo.
Forward an email
You get your own receipts address. Forward to it and the draft is waiting.
Fill the form
Type the amount and Hundo offers the rest, ranked by what you actually buy.
Ask the AI
Two bills in one sentence - and the euro one converted onto a dollar account.
CaptureDraft transactions, transfers, and asset trades from receipts, screenshots, and voice notes.
New captureAdd context like account, category, fee, or split details.Attach
coffee 4.20 at Blue Bottle, paid with Amex
Example: Paid with Amex, dinner with Sam, include the wire fee.
Record a voice noteDraft proposalCapturing
Analyzing your capture and drafting proposals…Receipts and screenshots can take a moment to process.
Pending captureReview each draft before it becomes real.
Captured proposals will appear here.
Drafting your proposalIt will appear here when the capture is ready.
ExpenseProposed
−$4.20
coffee at Blue Bottle
CategoryCoffee
Ready to confirmEditCancelConfirm
Drafted 1 proposal
CaptureDraft transactions, transfers, and asset trades from receipts, screenshots, and voice notes.
New captureAdd context like account, category, fee, or split details.Attach
Example: Paid with Amex, dinner with Sam, include the wire fee.
sweetgreen-receipt.jpgAttached · 1.2 MB
Record a voice noteDraft proposalCapturing
Analyzing your capture and drafting proposals…Receipts and screenshots can take a moment to process.
Pending captureReview each draft before it becomes real.
Captured proposals will appear here.
Drafting your proposalIt will appear here when the capture is ready.
ExpenseProposed
−$18.40
Sweetgreen
CategoryRestaurants
Edit to complete required fieldsEditCancelConfirm
Drafted 1 proposal
InboxReceipts you forward arrive here as drafts, waiting for review.
Forwarded receipts will appear here.
Your Sweetgreen order receiptfrom [email protected] · just nowReading
ExpenseEmail
Your Sweetgreen order receipt
−$18.40
Sweetgreen
CategoryRestaurants
Edit to complete required fieldsEditCancelConfirm
Dashboard
Your financial overview at a glance.
+ Add TransactionTransfer
Transaction created
ExpenseIncome
Amount
–0.0014.50USD
Your usuals
Equinox GymDue today · usually the 3rd$245.00Due today
Chipotle Mexican GrillLast used today$14.50
Rent - September 2026Usually on the 1st$2,450.00
Suggested
Chipotle Mexican GrillLast used today$14.50
SpotifyLast used Aug 26$16.99
NetflixLast used Aug 26$15.99
Suggested
Chipotle Mexican GrillSame amount · 23× in the last year$14.50Very likely
fromAccountCheckingguessed
Descriptione.g. Grocery store
CategoryNo category
BudgetNo budget
DescriptionguessedChipotle Mexican Grill
CategoryguessedRestaurants
BudgetguessedEating out
DateSep 4, 2026
OptionalMore details
From Chipotle Mexican Grill · 4 fields filledUndo
Add TransactionSaving…
Ask about your finances
I can describe your accounts, assets, budgets, and spending — and propose new transactions, transfers, asset trades, or budgets for you to confirm.
How much did I spend last month?What's my current net worth?Which budgets am I about to overspend?Record a $50 expense at Whole Foods today
log my rent 2,450 and €38 for the train in Lisbon on my Amex
Ran getAccounts
Found categories for housing and travel
Drafted 2 transactions
Ran 3 steps
Two proposals, waiting on you. The Lisbon train is in euros and your Amex is in dollars, so I converted it at that day’s rate.
ExpenseProposed
−$2,450.00
Rent - September
CategoryHousing
Expires in 9:57EditCancelConfirm
ExpenseProposed
−€38.00
Train, Lisbon
Rate€38.00 × 1.0826 = $41.14
CategoryTravel
Expires in 9:57EditCancelConfirm
Ask about your finances…log my rent 2,450 and €38 for the train in Lisbon on my Amex
Budgets4 active
- Eating out
Sep 1, 2026 - Sep 7, 2026
Spent $218.40 of $200.00 (109%)Over by $18.40 - Groceries
Sep 1, 2026 - Sep 30, 2026
Spent IDR 2,480,000 of IDR 3,500,000 (71%)IDR 1,020,000 remaining - Rent
Sep 1, 2026 - Sep 30, 2026
Spent €900.00 of €900.00 (100%)€0.00 remaining - Investing
Sep 1, 2026 - Sep 30, 2026
Spent £400.00 of £500.00 (80%)£100.00 remaining
Budgets
Budget in the currency you actually spend.
Set a budget per category, monthly or weekly, each one in its own currency. Rent in euro, groceries in rupiah and investing in pounds sit on the same screen, and none of them is converted into a number you have to think about twice.
Spending counts itself. Pick the categories a budget watches and the bar moves as entries land. Open one and you get the transactions behind the number, this period or any earlier one - so a budget is something you can check, not a figure you keep up to date.
Net worth trendHistorical net worth over time1W1M3M6M1YAll
$291,647.25
+$12,480 · 4.5% this year
$62,940.00
+$14,320 · 29.5% this year0.62 BTC · 4.1 ETH
$31,105.00
+$3,240 · 11.6% this year312 g XAU
$48,203.00
−$1,860 · 3.7% this year€18.2K · £6.4K · IDR 24.4M
All assetsCryptoGoldCash & bank
Net worth
A net worth tracker for every currency and every asset.
Every account, asset and debt in one number, valued at today’s rates. Filter to crypto, gold, cash or a single account and watch that slice move on its own.
€18,200 ≈ $19,656 · £6,400 ≈ $8,180 · IDR 2.4M ≈ $148 · 12 g XAU
The assistant
It does the work; you approve it.
Every suggestion is a proposal with an Approve button and an audit trail. The assistant never posts, moves, or edits anything on its own.
Answers from your ledger
"Which subscriptions have gone up since I started paying them?" - it checks all eleven and tells you by how much.
Adds and fixes entries
Point at a double charge. It finds both, and proposes removing the one you did not mean to keep.
Builds insights
Ask what crept up this year, not what you spent. Pin the answer to your dashboard.
Drafts budgets
It averages your real months - and says out loud when one of them was not a normal month.
which subscriptions have gone up since I started paying them?
Ran runReadQuery
Grouped 11 recurring merchants
Compared first charge with latest
Ran 3 steps
Three have. Together they cost $15.00 a month more than when you signed up — $180 a year.
Spotify$10.99→$16.99
iCloud+$2.99→$9.99
Netflix$13.99→$15.99
Ask about your finances…which subscriptions have gone up since I started paying them?
Equinox charged me twice in August, drop the duplicate
Ran runReadQuery
Found 2 charges 4 minutes apart
Drafted a delete
Ran 3 steps
Both on 3 August, $245.00, four minutes apart. I have proposed removing the second and keeping the 13:58 one:
DeleteProposed
Equinox Gym
Amount−$245.00
Charged2026-08-03 14:02
KeepingThe 13:58 charge
Expires in 9:57EditCancelConfirm
Ask about your finances…Equinox charged me twice in August, drop the duplicate
which categories crept up on me this year?
Ran runInsightQuery
Compared 2026 against 2025
Drafted a saved insight
Ran 3 steps
Two did, and one fell. Restaurants is the one worth looking at — it is up $1,240 on the year:
InsightProposed
Category spend, 2026 vs 2025
TypeComparison
Restaurants+18%
Transport+9%
Groceries−4%
Expires in 9:57EditCancelConfirm
Ask about your finances…which categories crept up on me this year?
draft a groceries budget from my last 3 months
Ran runReadQuery
Averaged 3 months
Set one month aside
Drafted a budget
Ran 4 steps
The three-month average is $780, but December was $1,120 — the week you had people staying. Without it the average is $610, so I have rounded up to:
BudgetProposed
Groceries
Amount$650.00 monthly
CategoryGroceries, Household
Previous$600.00 monthly
Expires in 9:57EditCancelConfirm
Ask about your finances…draft a groceries budget from my last 3 months
Bring your own AI
Already living in Claude or ChatGPT? Connect Hundo there.
Hundo speaks MCP, so your ledger becomes a set of tools an AI agent can actually use — not a chat box bolted onto a finance app. Point the assistant you already work in at it and ask about your money there. Every change it wants to make still comes back as a proposal waiting for your approval.
- Copy your server URL from Settings
https://hundo.finance/mcp - Add it to your AI app's connectors
- Sign in to Hundo and approve access
- Just chat - you approve every change in the conversation
Any MCP client that supports a remote server can connect — Claude, ChatGPT, Cursor, OpenClaw, Hermes. How an agentic finance tracker works.
Hundo
hundo.finance/mcpConnectedlog £12.80 at Pret A Manger, Checking
Called propose_transaction
Drafted it. Nothing is recorded yet — Hundo is holding it as a pending proposal:
Amount−£12.80
DescriptionPret A Manger
CategoryRestaurants
AccountChecking
Say the word and I will confirm it. Left alone, it expires on its own.
yes, confirm it
Called confirm_proposal
Confirmed. It is in your ledger, and it counts toward your Eating out budget.
Reply to Hundo…log £12.80 at Pret A Manger, Checkingyes, confirm it
Everything else
The rest of it, briefly.
A dashboard you arrange
Drag eleven kinds of widget into the order you actually read them in, and resize them.
Suggestions from your own history
Type an amount and Hundo offers the merchants it matches, ranked by what you really buy.
Budgets, monthly or weekly
Each in its own currency, filled automatically from the categories you choose.
IOUs and who owes what
Track money lent and borrowed per person, with a timeline of how it was settled.
Reports
Spending by category, income against expense, and how each budget actually performed.
Every kind of asset
Stocks and funds, crypto, commodities like gold, property and vehicles - valued at today's prices.
Every kind of account
Cash, credit cards, loans and money owed to you, all counted in the same net worth figure.
160+ currencies
Hold, spend and budget in any of them. Hundo converts at the rate for the day, not today's.
Import what you already have
CSV, TSV or Excel. Map the columns once and Hundo flags the rows you have already got.
A receipts address
Forward an email receipt, or send one from the iOS Share Sheet, and it arrives as a draft.
Voice notes
Say what you spent. It is transcribed, drafted and waiting for you to confirm.
Saved insights
Any answer the assistant gives can be pinned to your dashboard and kept up to date.
Questions
The things people ask before signing up.
- Does Hundo connect to my bank?
- No. Hundo never asks for your bank login and has no connection to your bank. Entries go in by hand, or the assistant drafts them from a line you type, a photo of a receipt, or a receipt you forward by email - and you confirm each one.
- Is Hundo free?
- Yes. The tracker is free forever with nothing capped: unlimited accounts, transactions, budgets and assets. The AI assistant is the paid layer, and it is pay what you want from $36 a year.
- Which currencies does Hundo support?
- Over 160, converted at the rate for the day a transaction happened rather than today's. Accounts, assets and individual budgets can each be held in their own currency, and Hundo still reports one net worth figure in the currency you think in.
- What can I track besides spending?
- Cash, credit cards, loans and money owed to you, plus stocks and funds, crypto, commodities such as gold, property and vehicles. Hundo values them at current prices and counts them all in one net worth figure.
- Can the AI change my data on its own?
- No. Every action the assistant takes is a proposal you have to confirm - adding a transaction, editing one, deleting one, creating a budget. Nothing reaches your ledger until you approve it, and an unconfirmed proposal expires on its own.
- Is Hundo an agentic personal finance app?
- Yes. Hundo exposes your own ledger to an AI agent as Model Context Protocol tools, so the agent can read your accounts, budgets, assets and spending, and draft transactions, transfers, asset trades and budgets against them. It is not a chat box bolted onto a finance app: the agent is whichever one you already use, and every write it attempts is a proposal that only becomes real when you approve it in the conversation.
- Which AI apps can I connect Hundo to?
- Any MCP client that supports a remote server over HTTP, which includes Claude, ChatGPT, Cursor, OpenClaw and Hermes. Hundo publishes an MCP server at https://hundo.finance/mcp and authorises it with OAuth, so connecting is a matter of adding that URL to the client and signing in to Hundo once. Connecting an AI agent is a Pro feature.
- Can I bring the data I already have?
- Yes. Hundo imports CSV, TSV and Excel files. You map the columns once, and it flags rows that look like ones you have already imported so you do not end up with duplicates.
- What happens to my data?
- Hundo does not sell your personal data. It is shared only with the services needed to run the product, and you can export or delete your account at any time. The privacy policy sets out exactly what is stored and why.
Pricing
The tracker is free. You set the price of the assistant.
Hundo has two layers. The tracker costs nothing, forever. Pro is the AI assistant - and you decide what a year of it is worth.
Free · the tracker
Track everything by hand
$0forever
No card, no trial clock.
- Unlimited accounts & assets
- Unlimited transactions
- Budgets, monthly or weekly
- Net worth across every currency
- IOUs, splits & reports
Pro · the assistant
Everything in Free, plus
$36a year, or more
You choose the amount.
- AI Chat - ask anything; it drafts entries you approve
- Quick Capture - snap a receipt or dictate a transaction
- Receipt import - forward emails or share from iOS
- Saved Insights - personalized, and pin the ones that matter
- Connect your AI - use Hundo from Claude or ChatGPT
Why you set the price: Hundo changed the way I manage money, and I want as many people to benefit from it as possible. Good financial tools shouldn't be out of reach just because you're in a tough spot or live in a region with lower purchasing power. While infrastructure like AI inference and servers aren't free, I refuse to lock Pro behind an arbitrary paywall. Pay what feels right for you - every contribution keeps the lights on and keeps the core app free for all. Thank you for your support.
- @hundredbeans
Pro · yearly · pay what you want
$72/year· $6 a month, billed once a year
The Sweet Spot - what I'd ask for if I had to pick a number.
Start freeEvery amount unlocks everything.
Prefer monthly? $8/month, fixed. Same features either way.