Smart Wallet
Telegram Personal Finance App
Smart Wallet is a personal-finance Telegram mini-app built around the question that matters day to day: how much is actually safe to spend. It brings multi-currency accounts, budgets, cash-flow forecasting, savings goals, debt tracking, and subscription monitoring into one Telegram-native experience - with AI insight cards and a chat bot that logs expenses in plain language, all backed by a Rust (Axum) API and Telegram mini-app authentication.
Highlights
How it Works
Open in Telegram
Launch the mini-app and sign in instantly with Telegram - no separate account.
Add Your Money
Set up accounts, budgets, recurring bills, and savings goals.
See What's Safe
Get your safe-to-spend figure and a forward cash-flow forecast.
Stay Ahead
Read AI insight cards and log expenses by chatting with the bot.
Features
Safe to Spend
Subtracts upcoming bills, subscriptions, and goal contributions from your balance so you know what is truly free to spend.
Cash-Flow Forecast
Projects your balance day by day across the months ahead, with every known bill and payday mapped out.
AI Insights
Surfaces plain-language cards like spending spikes, budget pace, and pricier subscriptions before they bite.
Budgets and Goals
Set category budgets and savings goals, and track progress against your real spending each month.
Debts and Subscriptions
Track who owes whom and every recurring charge, with a planner to map out your debt payoff.
Chat to Log
Tell the Telegram bot what you spent in plain language and it records the expense and answers money questions.
Use Cases
Daily Spending Decisions
Check your safe-to-spend number before a purchase instead of guessing.
Multi-Currency Life
Hold balances in several currencies and see everything reconciled at live rates.
Getting Out of Debt
Lay out balances and let the payoff planner sequence what to clear first.
Subscription Control
See every recurring charge in one place and catch price hikes early.
Who it's For
People who live in Telegram and want one place to manage multi-currency money, budgets, debts, and savings without installing yet another finance app.
FAQ
Want something like Smart Wallet?
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A Kuberstar Product