Know what's safe to spend, every day until payday. Add your bills once, log spending in seconds, and Ace, your AI money buddy, keeps you on track.
Simple enough for every day. Clear enough to trust.
The one number
Bills due before payday and your savings come off first. What's left is yours, as a daily amount.
Fast entry
One screen with a calculator keypad. Type it, tap Save, and your number updates straight away.
Bills
Private
No sign-up either. Your money data stays on your phone unless you ask Ace or back up to your own Google Drive.
Budgets
Budget bars with a Today mark show if you're ahead or behind.
Goals
Set an amount once and it goes into your goal each payday.
Ace
Each buddy brings its own colours, keypad and app icon. Ace greets you, cheers your streak and answers your money questions.
Ace
Nova
Honey
Sage
Cherry
Beau
BlossomNo. Smilo never connects to your bank. You add your balances, bills and spending yourself, in a few taps.
It takes the money in your accounts, subtracts the bills due before your next payday and your savings goal, and shows what's left, plus how much that is per day until payday.
Smilo is free to download and use, with ads. Smilo Plus is optional (monthly, yearly or lifetime): it removes ads and adds a full day-by-day forecast, Ace messaging you first when a bill or your pace will leave you short, more Ace answers, automatic Google Drive backup, unlimited accounts, budgets and goals, and every buddy theme.
Your money data stays on your phone. It only leaves when you ask Ace a question (sent to our AI server to write the answer) or back up to your own Google Drive. Ads use device identifiers, never your money data.
Adding expenses, budgets and bills works without internet. Ace and Google Drive backup need a connection.
No. Smilo and Ace give general information based on the numbers you enter. For important decisions, talk to a qualified professional.
Not yet. Smilo is available on Android through Google Play.
Free on Android. No bank login, no sign-up.
Smilo