SEMX reads your bank statements and receipts, categorizes everything with AI, and turns the mess into forecasts, spending alerts, and a ranked list of subscriptions worth cancelling.
Tracking is table stakes. The point is what the data does for you afterwards: finding leaks, seeing next month before it happens, and doing the bookkeeping so you never have to.
The savings finder inventories every recurring charge, predicts renewal dates, flags price rises and overlapping subscriptions, and ranks cancel candidates. A found-money ledger tracks what you've actually saved since.
“Since May: 3 subs stopped, 4,260 kr/yr saved”Spending forecasts with honest confidence bands, budget overusage projected before the month ends, and anomaly cards that explain why a day spiked, with the exact transactions that drove it.
“On pace to exceed Groceries by 640 kr”Drop in a bank statement (CSV, OFX, PDF) or snap a receipt. AI categorizes every line; you just review. On the web, a QR code lets your phone act as the scanner. No manual data entry, ever.
“142 transactions imported · 96% auto-categorized”One app, from raw statement to actionable insight.
CSV, OFX/QFX and PDF bank statements, parsed and categorized by a three-tier AI suggester that learns from your history. Review, adjust, import.
Photograph a shopping receipt; a vision model extracts the line items into normalized products: grams, litres, unit prices and all.
Month-over-month consumption per product, unit-price trends, and shrinkflation detection: it notices when the pack shrank but the price didn't.
Notified three days before a subscription charges, when a price rises, or when the same merchant charges you twice in a day. Once each, never spam.
Month-to-date usage bars plus a projection of where each budget will land, so "over budget" is a warning you get in week two, not a surprise in week five.
A chat assistant grounded in the same data as your dashboard: "what did I spend on takeaway in June?" gets a real answer, not a guess.
Camera-first receipt capture, Google sign-in, and biometric unlock. Your session is sealed behind your fingerprint in OS-backed secure storage.
Passkeys (WebAuthn), TOTP two-factor, short-lived tokens with rotating refresh, per-device sessions you can revoke. The same stack banks aspire to.
A calm, paper-and-ink interface in light and dark themes, in English and Farsi (full right-to-left support), on desktop and phone.
Upload a bank statement, snap a receipt, or scan the QR code to use your phone as the scanner. Works with CSV, OFX and PDF exports from any bank.
Every transaction is categorized: first from your own history, then smart rules, then an LLM for the stragglers. You review a clean list and hit import.
Forecasts, budget projections, anomaly explanations and the savings finder start working immediately, and they notify you only when something's worth knowing.
SEMX is built for people who want their money to stretch further; the roadmap doubles down on turning insight into action.
Statement & receipt import, AI categorization, forecasts, anomaly explanations, the savings finder with the found-money ledger, budgets, chat, notifications, and the Android app.
Goal-driven saving plans and gentle behavioral nudges built on your real patterns: "small things add up" made concrete, week by week.
SEMX learns the groceries you actually buy, then matches them against official retailer offers, so the discount you see is on the milk you drink, not the one in the ad.
One short summary of what changed, what's renewing, and what's worth a look, plus ever-easier ways to get data in: share-to-SEMX and email-in statements.
SEMX is free to use while it grows. Core expense tracking stays free; the heaviest AI features will eventually move to a fair, metered plan, because an app that helps you save money shouldn't quietly cost you money.
Import one and find out. The first insights land in minutes.
Open the appsemx.app · app at app.semx.app