Try it free

Now open in El Salvador

Send it a message, a voice note or a receipt photo. It tells you how much you can spend today.

Try it freeSee the before & after

7 days free. No card, no bank passwords. TelMoney doesn't share your data with anyone. It chats in Spanish for now.

TelMoneyonline
Today
  1. spent 3.50 on lunch12:41
  2. ✅ $3.50 · eating out · cash
    🟢 You have $18.20 left of $21.70 today.    12:41
  3. 0:0412:58
  4. ✅ $1.20 · transport · wallet
    🟢 You have $17.00 left of $21.70 today.    12:58
  5. can I buy sneakers for 80?18:15
  6. 🟡 You can, but it goes over today ($21.70).
    If you buy them, your daily budget drops from $21.70 to $14.43 a day until 10/15.    18:15

Same paycheck.
A different month-end.

Pick a situation.

Without TelMoney

You get paid and don't know how much you can spend.

10:24

  • Bank7:48Deposit receivedSalary: $650.00
  • NotesyesterdayOctober budgetTo do…

With TelMoney

You know how much you have per day.

  1. got paid 650 salary07:48
  2. 💵 Payday! You received $650.00.
    Until your next income (10/31, in 16 days):
    💰 In your accounts: $650.00
    📌 Bills to pay: $300.00
    🐷 Your 20% savings: $130.00
    🟢 You have $13.75 a day for everything else.
    💪 Set aside your 20% ($130.00) for motorbike?    07:48
    ✅ Yes, set aside✏️ Other amount

As simple as that.
Three steps.

  1. Say "hi"

    Nothing to download. Five quick questions and you are set.

    • Your name
    • What you earn and your paydays
    • How much you have today
    • Your savings goal
    • What % you want to save
    1. hi07:30

  2. Talk to it like you talk

    Text, voice note or receipt photo. Like texting a friend.

    1. spent 3.50 on lunch12:41
    2. 0:0612:44
    3. SÚPER SELECTOSTOTAL $27.3512:45
    4. ✅ $3.50 · eating out · cash
      🟢 You have $18.20 left of $21.70 today.      12:41
      ↩️ Undo📊 How am I doing?

  3. Get your money night

    Every night: what you spent and how much you have for tomorrow.

    1. 📊 Your day — Sat 10/4
      💸 Spent: $23.50 · 💰 Received: $0.00
      On: 🍽️ eating out $15.00 · 🚌 transport $8.50
      🟢 You stayed within your daily budget ($25.00)
      💵 For tomorrow: $24.80 a day
      🎯 Motorbike: $340.00 of $2,500.00 (13%)
      ❤️ Financial health: 78/100
      Good job: you spent less than your budget. Tomorrow try to stay under $24.80.      20:30

One number. Every day.

TelMoney doesn't just log what you already spent. It tells you how much you can spend today, with your bills and savings already taken out, until your next payday.

In your accounts
$540.00
Bills still to pay
− $300.00
Set aside for your goals
− $1.30
Days until your next payday (10/15)
÷ 11
Today you can spend
$21.70 a day

Can I buy something for $80?

🟡 You can, but it goes over today ($21.70).

If you buy it, your daily budget drops from $21.70 to $14.43 a day until 10/15.

The organized friend who helps without nagging.

Score in Pro

Your money night

Every night, your day in one message. Once you have logged a few days, a 0 to 100 score that tells you what to improve.

TelMoney does the math. The AI only writes the tip and can't change a number.

  1. 📊 Your day — Sat 10/4
    💸 Spent: $23.50 · 💰 Received: $0.00
    On: 🍽️ eating out $15.00 · 🚌 transport $8.50
    🟢 You stayed within your daily budget ($25.00)
    💵 For tomorrow: $24.80 a day
    🎯 Motorbike: $340.00 of $2,500.00 (13%)
    ❤️ Financial health: 78/100
    Good job: you spent less than your budget. Tomorrow try to stay under $24.80.    20:30

Ask it anything

  • Where did my money go?
  • Can I buy something for 80?
  • Compare this month with last month
  • How much is left for the motorbike?

  • No more late feesPro

    Rent, utilities, installments and your card: it reminds you 2 days before each payment.

  • Get back what you're owedPro

    It knows who owes you and how much, and writes a friendly reminder ready to send.

  • Save without thinking

    Every payday, it offers to set aside your % before you spend.

  • Know where every dollar is

    Cash, banks, wallets and cards, down to the cent.

  • Reach what you want

    The motorbike, the trip or your safety net: with a date, and alerts if you go over your limit.

  • Your numbers at hand

    Excel, PDF and charts for the bank, your accountant or your partner.

Gets how you talk.
Knows your accounts.

Starting in El Salvador, in Spanish.

  • 💸 "gasté 3.50 en el almuerzo"
  • 💰 "recibí 650 de mi sueldo"
  • ⛽ "12 de gasolina con la tarjeta"
  • 🛒 "25 en el súper, fue ayer"
  • 🔁 "pasé 50 del banco al efectivo"
  • 🤔 "¿cuánto puedo gastar hoy?"
  • 📊 "¿cómo voy este mes?"
  • 🎯 "quiero ahorrar 500 para diciembre"

  • To the cent

    Every balance adds up, account by account.

  • At your payday pace

    It counts the days until your next income, every two weeks or monthly.

  • Your accounts and wallets

    It knows that "the card" and "the credit card" are the same account.

  • Nothing to learn

    If you can send a voice note, you can use TelMoney.

Your data is yours.

TelMoney doesn't share your data with anyone. Download it or delete it whenever you want, with one message.

  • Your number

    It's only used so TelMoney can recognize you and reply. We don't sell it, share it or use it for anything else.

  • What we keep

    The transactions you log (amount, category and account) and your messages with the bot from the last 30 days, so it remembers the conversation. It can't see your other chats or contacts.

  • Who sees it

    You. The TelMoney team can check the database only to give you support and improve the bot. To understand your messages, they go through WhatsApp and the AI that reads them.

  • No bank passwords

    TelMoney doesn't connect to your bank or ask for passwords. You tell it your transactions or send a photo of the receipt.

  • "borrar mis datos"

    Write that ("delete my data") and everything is deleted. No forms, no emails.

  • "exportar"

    Write that ("export") and you get all your transactions in a CSV you can open in Excel.

It pays for itself.

7 days of everything, free and no card. Then stay on Free or upgrade.

Free

To start getting organized, without paying.

$0free

No card

Try it free
  • Log by text, photo and voice: up to 10 a day
  • How much you can spend today
  • Accounts, goals and debts
  • Your weekly summary
  • 2 free questions a day

Plus

To log everything and know how much you can spend.

$4.99a month

$0.17 a day

Try it free
  • Everything in Free, up to 30 a day
  • Nightly report
  • Spending limits that alert you
  • 5 free questions a day
Most complete

Pro

So you never miss a bill or a payment you're owed.

$9.99a month

$0.33 a day

Try it free
  • Everything in Plus, no daily cap
  • Reminders before every bill and card payment
  • Your financial health score
  • Collect what people owe you
  • Unlimited questions
  • Excel, PDF and charts

Pay by credit or debit card, through Wompi. No contracts: if you don't renew, your data stays saved for when you come back.

Questions

Does TelMoney speak English?

Not yet: TelMoney chats in Spanish. It is built for El Salvador first, and English is on the way.

Do I need to download anything?

No. Everything happens in WhatsApp, the app you already have.

Does it connect to my bank?

No, and it never asks for your passwords. You tell it your expenses by text or voice note, or send a photo of the receipt.

Who can see my data?

You. TelMoney doesn't share your data with anyone. The team can check them only to give you support and improve the bot, and your messages are deleted after 30 days. Write "borrar mis datos" and everything is deleted; "exportar" sends it to you as a CSV.

What happens when the trial ends?

You keep using it for free on the Free plan: up to 10 messages a day to log expenses and know how much you can spend. If you want more, upgrade to Plus or Pro. Your data stays there.

Does TelMoney message the person who owes me?

Not on WhatsApp: it writes the message and you send it with one tap. By email it can, always with your confirmation (Pro plan).

How do I pay?

With a credit or debit card, through Wompi.

Can I cancel?

Yes, anytime. There are no contracts.

Make your money last all month.

Say "hola" and you are logging expenses in a minute. 7 days free with everything included. TelMoney chats in Spanish.

Try it free

WhatsApp opens with the message "Hola TelMoney" ready to send.