Money tracking without the spreadsheet shame.

Know what you spent this month. In any currency. Without the app.

Write a line. Hold the mic. Snap a receipt. Capi handles the currency math in the background, and every Sunday drops you a short note about what shifted, what's new, and what's gone quiet.

Start free on Telegram See a week with Capi
$0 to start. Cancel anytime. · USD, EUR, GBP, BRL, ARS, RUB, and more · Cancel anytime, we won't ask why
4
Currencies, one total
12s
Per entry, on average
1
Message, not six taps
0
Ad pixels, ever
Why this exists

Money anxiety is mostly avoidance.

You don't need another budget. You need a way to look at the number without flinching. Here's what avoidance usually sounds like, in your own head.

You don't open the banking app on purpose.

Opening it would mean knowing the number, and you'd rather guess.

You promise yourself, next month I'll track.

The receipts pile up in a drawer until you forget what they were for.

Sunday night, your partner asks how we did this month.

You have a feeling. You don't have a number.

Capi sits inside Telegram. You tell it what you spent in plain words, voice notes, or a forwarded statement. It does the currency math, the categories, the Sunday note. You stop dreading the number.

Is this for you

Three signs Capi is for you.

Capi isn't a budgeting app. It's more like a quiet habit, for people who already feel responsible about money and would rather not open another dashboard to prove it.

You live between currencies.

You earn in one place and spend in another. Almost every tracker out there quietly assumes one currency. Capi simply holds them all, and gives you a single honest total.

You've quit three trackers.

YNAB. Monarch. Copilot. Downloaded, opened, and quietly given up on by week three. Capi doesn't ask you to open anything. You just type a line on the way to the bus.

You want to see, not budget.

You'd rather see what happened than be lectured about it. Capi tells you, in plain sentences, where the money actually went. What you do with that is up to you.

How it works

This is the entire interaction.

About twelve seconds a day. You type it, say it, or snap it, and Capi does the parsing, the currency, and the category in the background. Nothing else to open or maintain.

What Capi hears.

  • Text.Send "coffee 4.50" and you're done. No form. Nothing to confirm.
  • Voice.Hold the mic, talk like a human. Works in seven languages, on the same bot.
  • Receipts.Snap a photo. Capi pulls out the total, merchant, and date. One tap if it's right.
  • Currency.Converted to your home currency on the spot. No dropdown, ever.
  • Mistakes.Reply "that was lunch, not coffee" and Capi fixes it. Zero menus.
Every Sunday

A short note about what shifted.

On Sunday mornings, Capi reads the whole week back to itself. Across cards, currencies, and categories. Then it writes you a few sentences about what's new, what's gone quiet, and what looks like a small leak. Three short paragraphs you can read on the way to make coffee.

The voice is the product.

Capi never says "you overspent." It says "I noticed." That tiny shift, from audit to company, is what keeps people logging past week five.

  • → Compares to your own quiet weeks, not a budget you set in January
  • → One clean number for the month, no matter how many currencies it ran through
  • → Catches the invisible bleed. The small recurring things you forgot you pay for.
  • → Three sentences in plain language. Not a pile of bullet points.
Capi's Sunday note
Apr 19 · 08:00

Hey, quick one. You spent €412 this week, mostly quiet. That's about $445, roughly $62 below your usual.

One thing I noticed: groceries hit €168, the highest since February. Not a problem. Just flagging it in case it surprises you.

Also, your Spotify family plan renewed at €15.99 on Thursday. You added it back in October. Still using it?

Ghost check: that's 3 subscriptions this month I haven't heard you mention out loud.
· Capi 🌿 Open full digest →
I dropped the three-app Sunday ritual. Capi just sits in my Telegram now, like a friend who noticed something.
M Marta, design lead, Berlin → São Paulo
What you get

What Capi does, in a week.

Three jobs, one small character. Built around the one question tracker apps never quite answer. Where did my money actually go?

01

Catch it in the moment.

Type "coffee 4.50". Hold the mic and say "groceries, forty-five at Mercadona." Or just snap the receipt. Capi hears it, parses it, and shows you what it got. One tap, and it's in.

  • Text, voice, and photo entry
  • 7 languages on the same bot
  • Reply-to-edit in plain language
  • Undo the last entry with one word
02

Let Capi do the math.

One number for the whole month, even if it ran through four currencies. Have a bank statement? Drop it in. CSV or PDF, from Nubank, Revolut, Wise, Banco Inter, whatever you've got. Capi reads the lot.

  • Live FX across every pair
  • CSV + PDF statement import
  • 54 merchant rules, learned
  • Categories that actually fit your life
03

Think with Capi.

The Sunday digest tells you what moved, what's quiet, and what's new. Want more? Ask. Things like "how much on food in April?" get a real answer, in your own language, grounded in the boring old rules of personal finance. Not vibes.

  • Weekly "I noticed" digest
  • Ask Capi, any time, any language
  • Gentle nudges when a pattern wobbles
  • Goals, tracked softly
Pricing

A free tier. A real tier. And one extra mile.

Cancel anytime, we won't ask why. The longer plans cost a lot less per month. Stack onto your existing time when you renew.

Capi Free
Try it. Log while you decide.
$0/forever
Free to start
  • Voice, text, and photo entry
  • Live multi-currency conversion
  • 7-language support
  • No Sunday digest
  • No Ask Capi, no imports
Start free
Most picked
Capi
The full Capi. Solo seat.
$5.83 /mo $9.90
$69.90 billed once a year
  • Unlimited transactions
  • Bank statement import (CSV + PDF)
  • Sunday digest in your language
  • Ask Capi advisor, anytime
  • Natural-language edit + undo
  • Goals and pulse nudges
Start free
Capi Together
Households. Partners. Shared money.
$99/yr
Two seats · ~$4.13/mo each
  • Everything in Capi, for two
  • Joint weekly digest, one view
  • Per-person attribution
  • Private categories (for gifts)
  • Shared goals
Start Together
Limited · 25 seats
Capi Steward
When you want a human looking too.
$890/yr
Everything in Capi, + human review
  • All of Capi, unlimited
  • Quarterly 1:1 money review
  • Written 90-day summary
  • Priority Ask Capi replies
  • Direct line to Daniil
Request a seat

What Capi stores, and what it doesn't.

Transactions sit in an encrypted database on infrastructure the Capi team operates. No ad pixels, no third-party trackers, no data sold to anyone. Ask /mydata to get an Excel file of everything Capi has on you. Ask /forget to delete the lot within 7 days.

Read the privacy page →
A capybara reading the day's spending in Telegram. Coffee, groceries, and a quick currency conversion.
CAPI TOGETHER

Two of you? One picture.

Shared household, per-person attribution, joint goals. $99/year for both of you, 7 days free.

See Capi Together →
Questions, answered

The things people ask first.

If yours isn't here, send it to [email protected]. We read them all.

Do you have access to my bank?
No. Capi never connects to your bank. Tell me what you spent (text, voice, photo, or paste a statement) and I parse it. Your data lives on our servers, not at your bank's.
Where does my data live, and can I delete it?
On our servers in the EU. We don't sell or share. Send /mydata for an XLSX export, /delete-me to wipe everything within 14 days. See our /privacy page.
Do I need to install an app?
No. Capi lives inside Telegram. If you already have Telegram, you already have Capi. Nothing to download, nothing to sign up for, nothing to learn. If you don't, Telegram is free on every platform.
What currencies does Capi handle?
USD, EUR, GBP, BRL, ARS, RUB, and any pair live FX can reach. You pick one home currency. Capi converts the rest in the background and shows you one clean total at the end of the week.
Can I import my bank statement?
Yes. Drop a CSV or PDF from Nubank, Revolut, Banco Inter, Wise, and most major banks. Capi reads it, categorizes it, and gives you one converted total. Years of history included, if you've got them.
What's actually in the free plan?
Voice, text, and photo entry. Live multi-currency conversion. Seven languages. No Sunday digest, no Ask Capi, no statement import. Enough to find out whether the habit sticks, before anyone asks you for a card.
Does Capi renew automatically?
Yes, paid plans renew on their period until you cancel. Cancel anytime from your account, no questions asked, no clawback. Your prepaid time stays yours through the end of the cycle.
Who's behind Capi?
The Capi team, led by Daniil Kozin, a former banker who watched too many decent people lose a quiet percentage of their life to numbers they couldn't quite see. We build the product, the bot, and the infrastructure end to end. You can reach us at [email protected].

Twelve seconds a day. One calm note on Sunday.

Start free in Telegram. Capi never asks for your card to begin. If it isn't for you, you'll know inside a week.

Start free

Or just email the team, [email protected].