Live on WhatsApp

Money feels heavier
than it should.underline decoration

Theo helps you track spending and hit your financial goals — all through WhatsApp. No apps. No spreadsheets. Just text Theo, it's YOUR personal financial assistant.

7-day free trialCancel anytimeNo app to download
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Theo Financial Assistant

Business Account

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Sound familiar?

You're not alone — we all struggle with the same things.

😩

"I have no idea where my money went this month."

😤

"I keep meaning to budget but never stick with it."

📱

"Spreadsheets are too tedious and apps are too complicated."

📊

"I want to save more but don't know where to start."

Theo fixes all of this — right from your WhatsApp.

See it in action

How Theo works

Message Theo on WhatsApp. That's it. Here is what a typical day will look like.

Step 1

Text your expense

Just type naturally: "Spent $45 on groceries" — Theo categorizes and logs it.

Step 2

Snap a receipt

Send a photo of any receipt and Theo extracts the details automatically.

Step 3

Ask for a summary

"How much did I spend this week?" — instant answers, anytime.

Step 4

Get budget nudges

Theo lets you know when you're close to your limits — before you overspend.

Step 5

Track your goals

Set savings goals and Theo celebrates your streaks and milestones with you.

Avatar

Theo Financial Assistant

Business Account

Type a message
Step 1

Text your expense

Just type naturally: "Spent $45 on groceries" — Theo categorizes and logs it.

Avatar

Theo Financial Assistant

Business Account

Type a message
Step 2

Snap a receipt

Send a photo of any receipt and Theo extracts the details automatically.

Avatar

Theo Financial Assistant

Business Account

Type a message
Step 3

Ask for a summary

"How much did I spend this week?" — instant answers, anytime.

Avatar

Theo Financial Assistant

Business Account

Type a message
Step 4

Get budget nudges

Theo lets you know when you're close to your limits — before you overspend.

Avatar

Theo Financial Assistant

Business Account

Type a message
Step 5

Track your goals

Set savings goals and Theo celebrates your streaks and milestones with you.

Avatar

Theo Financial Assistant

Business Account

Type a message
Step 6

See the big picture

Your full financial dashboard — expenses, goals, trends — all in one place.

Theo financial dashboard showing expenses, goals, and trends

This isn't about budgetting.
It's about breathing easier.

Before Theo
😟

Anxious about money

🤷

Guessing where your money went

🙈

Overspending without realizing

😩

Savings goals that never stick

After Theo
😌

Clarity on every dollar

💪

Confidence in decisions

🎯

Control over your goals

📈

Progress you can see

Simple, honest pricing

Start with a 7-day free trial. Cancel anytime.

Both plans include a 7-day free trial.

Build with privacy in mind

We take your trust seriously. Here's how we protect you.

Your data is encrypted

All messages and data are End-to-end encrypted keeping your financial data safe.

We never sell your data

Your financial data is yours. Period. We will never share or sell it.

You're always in control

Delete your data anytime.

Frequently asked questions

Ready to take control of your money?

Join thousands of people who stopped guessing and started knowing.

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