Your Money, On Autopilot
Send your expenses through WhatsApp. AI analyses your patterns, delivers smart insights in-chat, and turns your finances into a game you actually want to play.
Budgeting apps are broken
You download yet another finance app, spend 20 minutes setting it up, log expenses for three days, then never open it again. Sound familiar? The problem isn't your discipline — it's the app.
Too much friction
Opening a separate app, navigating menus, entering data manually — every step is a reason to give up.
No real insight
Pie charts showing you spent money on food. Cheers for that. You need smart, actionable advice.
Zero motivation
Tracking expenses feels like homework. There's no reward, no progress, no reason to carry on.
How kNexo works
Three steps. No app to download. No spreadsheets. Just WhatsApp.
Text your expenses
Send a message like "Coffee £3.50" or snap a receipt photo. kNexo understands natural language and categorises everything automatically.
Get AI insights
Your AI copilot spots trends, warns you before you overspend, finds subscriptions you've forgotten about, and suggests personalised savings goals.
Level up your finances
Complete missions, earn streaks, climb the leaderboard. Healthy money habits become second nature when they feel like a game.
Everything you need, nothing you don't
Powerful features wrapped in the simplicity of a chat.
WhatsApp-native
No new app. Track spending, check balances, and set goals in the messaging app you already use every day.
AI copilot
Learns your patterns, predicts upcoming expenses, and gives personalised advice — like a financial adviser in your pocket.
Gamified habits
Missions, XP, streaks, and leaderboards turn saving money from a chore into a challenge you want to win.
Smart insights
Weekly spending reports, category breakdowns, and trend analysis delivered automatically — no manual work required.
Bank-grade security
End-to-end encryption, SOC 2 compliance, and zero access to your bank credentials. Your data stays yours.
Instant setup
Send one message to get started. No downloads, no account creation, no card details. You're tracking in under 60 seconds.
Loved by early testers
Real feedback from our beta community.
“I've tried Monzo budgeting, Emma, Plum — nothing stuck. kNexo is the first thing that works because it meets me where I already am: WhatsApp.”
“The AI insights are genuinely useful. Last week it caught a duplicate subscription I'd been paying for 8 months. Paid for itself straightaway.”
“The gamification is what keeps me coming back. I'm on a 47-day streak and my savings rate went from 5% to 22%. Honestly brilliant.”
Start free. Scale when you're ready.
Save 20% with annual billing. Same numeric value across all currencies.
Start organizing your finances today. No artificial limits.
- Unlimited transactions
- Unlimited AI categorization
- Unlimited daily missions and challenges
- Full reports and dashboards
- Reward Store / gamification
- WhatsApp logging (quick send)
- Financial diagnosis at setup
AI that takes you out of autopilot. Insights, kNexo Copilot, and goal actions.
- Everything in Free
- Custom categories
- kNexo Copilot (AI chat + goal actions)
- Smart Insights (automatic pattern analysis)
- WhatsApp 2-way (insights and missions in chat)
Everything in Pro + the whole family's finances in one place.
- Everything in Pro
- Up to 6 family members
- Shared goals
- Family reports
- Invitations by link
- Joint progress dashboard
Free forever, no credit card needed.