The story behind WhatsApp's smartest expense tracker
Like millions of people, we struggled with tracking our daily finances. We'd try different apps—some would download Splitwise for group expenses, others would use complex budgeting tools with confusing interfaces. But here's what we realized:
Opening a whole separate app just to log an expense doesn't make sense. Why should you need to remember another password, learn another interface, or navigate through multiple screens just to record that you spent $5 on coffee?
The friction was killing our financial awareness. We'd forget to log expenses, abandon apps after a few weeks, or simply give up on tracking altogether. There had to be a better way.
Then it hit us: What if expense tracking could be as simple as sending a message?
We already spend hours every day on WhatsApp. It's where we naturally communicate about money—"Just paid $25 for lunch," "Split the $60 Uber," "Groceries cost $150 today." We were already documenting our expenses; we just weren't capturing them systematically.
That's when Melo was conceptualized: a finance tracker that lives where you already are, understanding how you naturally communicate about money.
The boom in AI technology gave us the perfect opportunity to make this vision reality. Suddenly, we could build a system that actually understands natural language about money.
Whether you say "Coffee $4.50," "Spent twenty bucks on lunch at McDonald's," or "Uber ride cost me 15 dollars," Melo gets it. The AI doesn't just extract numbers—it understands context, categorizes intelligently, and learns your spending patterns.
This AI foundation allows us to equip Melo with powerful features that would normally require complex apps: smart categorization, spending insights, budget alerts, and analytics—all accessible through simple conversations.
We're building the most powerful finance tracking platform that doesn't feel like a finance app at all. Melo transforms WhatsApp into your personal financial assistant, making money management as natural as having a conversation.
No more forgotten expenses, abandoned apps, or complex interfaces. Just simple messages that turn into powerful financial insights. Because managing your money shouldn't require learning how to use yet another app.
Financial tools should adapt to your life, not the other way around. The best interface is the one you're already using.
Your financial data is yours. We use it only to serve you better, never to profit from your information.
Artificial intelligence should make your life easier, not more complicated. Every AI feature we build serves a human need.
Great financial tools shouldn't be limited to those who can afford expensive apps or have the latest smartphones.
Ready to experience finance tracking the way it should be? Start your journey with Melo today and discover how simple managing money can actually be.
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