pago Join the beta

Free beta, small groups

Track your money by sending a message.

Write irish pub 4.50 to the pago bot on Telegram. It saves the expense in the right category, with today's date. The web app then shows you where your money went.

Why it exists

Money apps ask for too much. So we stopped using them.

Most money apps want forms, bank links and ten taps for every coffee. That works for a week. Then you stop logging, and the numbers stop meaning anything.

So we built the smallest thing that would keep us going: a chat where you type what you spent, the way you'd tell a friend. pago reads it, picks the category and saves it. If it guesses wrong, you fix it with one tap.

Then, once a week, it tells you how the week went. That's most of it. Few features, all of them useful.

The real app

A quiet web app for when you want the full picture.

These are screenshots of pago as it is today. It works on desktop and on your phone.

pago monthly report for August 2026: income, expenses, balance and number of transactions, spending by category with bars, and a chart of expenses for the last six months.
Monthly and yearly reports. Income, expenses and balance, where the money went by category, and how this month compares to the last six.
Add transaction screen. The text Groceries Mall 34.55 has been parsed into amount 34.55, category Grocery, description Groceries Mall and a date, ready to confirm.
Plain words on the web too. Type a line, check the fields pago filled in, save.
Transactions list searched for 'par', showing ten parking and computer parts expenses across 2026 with their categories and amounts.
Search everything. Find that parking ticket from March by typing three letters. Filter by year, category or type.
Settings: account, a monthly budget of 1400 euros, export all as CSV, passkeys for two devices, and sign out.
Settings that fit on one screen. One monthly budget, passkeys to sign in, and a button that exports all your data as CSV.

What it does

The short list.

Everything here works today. Nothing on this page is a promise for later.

  • Add by chat

    Send "irish pub 4.50" or "january salary 3k 10/01". Dates like "yesterday" work. Any language works.

  • Sorts it for you

    17 expense categories and 2 for income. pago picks one, you can change it with a tap.

  • Catches doubles

    If a new expense looks like one you saved recently, pago asks before saving it twice.

  • Weekly and monthly recaps

    Last week's summary every Monday, last month's on the 1st. Ask "show me this week" any time.

  • One monthly budget

    Set one limit. The bot warns you once when you get close, and again if you go over.

  • Recurring items

    Rent, subscriptions, salary: set them once in the web app and pago adds them every month.

  • Search and reports

    Full text search across all your years, and reports by week, month and year.

  • Your data, your way out

    Export every transaction as a CSV file, any time. Sign in with a passkey, no password.

What it does not do

On purpose.

Leaving things out is what keeps pago fast to use.

  • bank links

    pago never connects to your bank. You tell it what you spent, and only that is stored.

  • investments

    No stocks, no net worth, no crypto. Just money in and money out.

  • budget maze

    One monthly limit, not a budget per category to keep up to date.

  • shared wallets

    It's for one person's money. Splitting bills with friends is a different app.

  • ads or data selling

    pago will be a small paid app. That's how it pays for itself.

How the beta works

Free while we test. Small and paid after.

  1. Leave your email

    One field. We only use it for the beta and the launch.

  2. Get an invite

    We let people in small groups, so we can answer everyone. You'll need a Telegram account.

  3. Use it, tell us

    The beta is free. Tell us what's annoying and what's missing.

  4. Hear first at launch

    pago will then be a small paid app. Testers hear about it before anyone else.

Try logging a week of spending with one message each.

Join the beta and we'll send you an invite when the next group opens.