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Dibba.ai

Dibba.ai is an AI-driven personal finance tool that helps you track expenses, income, and transactions by analyzing the banking SMS you voluntarily send to its backend. With support for Apple Pay and

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  • Free plan available
  • No credit card
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What is Dibba.ai?

Dibba.ai is a personal finance tracker that works by analysing banking SMS messages you forward to it. Rather than connecting directly to your bank, it reads transaction notifications from your phone to automatically categorise your spending and income. The tool is designed for people who want expense tracking without giving direct access to their banking credentials. It includes an AI voice agent that can answer questions about your finances and spending patterns. The privacy-first approach means your banking data stays within your control, whilst the AI does the work of organising and analysing your transactions.

Key features

SMS-based transaction tracking

Automatically captures and categorises transactions from banking SMS notifications you send to the service

Spending categorisation

AI analyses transactions and sorts them into spending categories for easy overview

Income and expense reporting

Tracks both money coming in and going out across time periods

AI voice agent

Ask questions about your spending habits and financial data using voice interaction

Apple Pay support

Compatible with Apple Pay transactions alongside other payment methods

Privacy-focused design

Avoids direct bank connections; you control what data is shared

Pros & cons

Advantages

  • No need to share banking login credentials; uses SMS forwarding instead
  • Automatic categorisation saves time on manual expense entry
  • Voice agent provides quick answers about your spending without opening an app
  • Works across multiple banks as long as they send transaction SMS

Limitations

  • Relies on banks sending SMS notifications, which not all institutions do consistently
  • Requires you to manually forward SMS messages to the service rather than automated bank connections
  • Limited to transaction data available in SMS; may miss detailed transaction information

Use cases

Monitoring monthly spending patterns without sharing bank login details

Quick expense categorisation for freelancers or self-employed people managing multiple accounts

Tracking discretionary spending across different payment methods in one place

Getting instant summaries of your finances through voice queries while on the go

Understanding where your money goes by category without complex spreadsheet tracking

Ready to try Dibba.ai?

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Pricing

Free

Free

Basic expense tracking via SMS analysis, spending categorisation, limited access to AI voice agent

Premium

Contact for pricing

Full AI voice agent capabilities, advanced spending insights, priority support, additional analytics

Get started with Dibba.ai

Click through to Dibba.ai and start using it now.

Try Dibba.ai free
  • Free plan available
  • No credit card