Most finance apps help you record expenses. Klutter helps you understand your money. Automatically capture transactions from receipts, SMS, and manual entries. Build budgets, explore spending patterns, receive AI-powered insights, and keep your entire financial life organized in one place. Whether you're tracking daily expenses, planning monthly budgets, or simply trying to gain better financial clarity, Klutter removes the clutter so you can focus on making better decisions.
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Maker
📌
👋 Hey Product Hunt!
I'm Gitika, one of the founders of Klutter.
Like many people, I tried countless finance apps over the years. They all helped me record my expenses, but very few helped me truly understand my money.
My bank accounts, cards, receipts, subscriptions, and investments all lived in different places. I realized the problem wasn't that I lacked financial data—I had too much of it, scattered everywhere.
That's why we built Klutter.
Klutter automatically organizes your financial life with features like AI receipt scanning, SMS transaction capture, budgeting, spending analytics, and AI-powered insights—all designed to make understanding your money feel effortless.
We're still in the early days, and today's launch is less about celebrating and more about learning from this amazing community.
I'd genuinely love your feedback:
• What's the biggest frustration you have with managing your money?
• Which feature would make Klutter indispensable for you?
• If you tried the app, what felt great—and what didn't?
We'll be here all day answering every question and taking notes. Your feedback will directly shape what we build next.
Thank you for checking out Klutter! ❤️
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I've tried maybe five expense trackers at this point and they all fall apart the same way, categorization gets confused on anything slightly unusual like a mixed personal/business receipt. how does this one handle that kind of edge case, does it ask you to confirm or just guess and move on?
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Maker
@omri_ben_shoham1 Great question! We try not to make blind guesses. Klutter auto-categorizes transactions, but if something doesn't fit cleanly, it falls back to Miscellaneous instead of misclassifying it. You can also create your own custom categories, and for mixed receipts or personal/business expenses, our Transaction Split feature lets you split a transaction across multiple categories. We're continuously improving the AI to handle more of these edge cases automatically. 😊
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the sms receipt capture actually works pretty well, which honestly surprised me since most apps miss half the details. the ai insights feel genuinely useful and not just generic "you spent too much on coffee" stuff
Getting it to work on iOS was honestly one of the hardest parts of building Klutter. Apple's permission model doesn't allow apps to simply read SMS, so we had to think differently instead of forcing a solution.
We ended up leveraging the power of Apple's Shortcuts to create a privacy-friendly workflow that lets users automatically capture transactions while staying within the platform's guidelines.
The AI insights are another area we're obsessed with. We don't want to tell people, "You spent too much on coffee." We want Klutter to understand your financial habits and answer the questions that actually matter.
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The AI insights sound promising but I'd love to see a "what-if" simulator built in, something that lets me model scenarios like paying off a credit card or skipping takeout for a month and shows the projected impact on my budget and savings timeline.
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Maker
@magdenmahm80499 Love this idea, Mahmut! That's very much aligned with our vision. We already have an AI assistant that helps users understand their finances, and taking it a step further with "what-if" scenarios is something we'd love to explore. Thanks for the great suggestion! 🙌
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Love the focus on insights over just logging expenses. One thing that would help me actually act on those AI insights would be a shared household mode so my partner and I could pool budgets and see combined spending patterns instead of each tracking separately.
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Maker
@azizayerrm9y That's a great suggestion, Aziz! We want Klutter to help people make better financial decisions, not just track expenses. A shared household mode with combined budgets and insights is a compelling direction, and we'll definitely be exploring it. Thanks for the feedback! 🙌
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@Gitika falling back to Miscellaneous instead of guessing wrong is the right default, that's exactly what I was hoping to hear. the transaction split feature for mixed receipts is a nice touch too, that's the actual annoying case in practice
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Maker
@omri_ben_shoham1 Exactly! 😊 We'd rather be safely "unsure" than confidently wrong. Really glad the transaction split approach resonates with you—that mixed receipt scenario was one of the key reasons we built it.
If you'd like to explore more, I'd be happy to give you 3 month of Klutter Premium. We'd love to hear your honest feedback on the AI insights and everything else we're building. 🙌
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Tried it for a few days and the SMS transaction capture actually works, which surprised me since most apps botch that part. Budget breakdowns are pretty clear too.
I've tried maybe five expense trackers at this point and they all fall apart the same way, categorization gets confused on anything slightly unusual like a mixed personal/business receipt. how does this one handle that kind of edge case, does it ask you to confirm or just guess and move on?
@omri_ben_shoham1 Great question! We try not to make blind guesses. Klutter auto-categorizes transactions, but if something doesn't fit cleanly, it falls back to Miscellaneous instead of misclassifying it. You can also create your own custom categories, and for mixed receipts or personal/business expenses, our Transaction Split feature lets you split a transaction across multiple categories. We're continuously improving the AI to handle more of these edge cases automatically. 😊
the sms receipt capture actually works pretty well, which honestly surprised me since most apps miss half the details. the ai insights feel genuinely useful and not just generic "you spent too much on coffee" stuff
@cemgmlcnehrtm
Thank you, Cem! 😊
I'm really glad you noticed the SMS capture.
Getting it to work on iOS was honestly one of the hardest parts of building Klutter. Apple's permission model doesn't allow apps to simply read SMS, so we had to think differently instead of forcing a solution.
We ended up leveraging the power of Apple's Shortcuts to create a privacy-friendly workflow that lets users automatically capture transactions while staying within the platform's guidelines.
The AI insights are another area we're obsessed with. We don't want to tell people, "You spent too much on coffee." We want Klutter to understand your financial habits and answer the questions that actually matter.
The AI insights sound promising but I'd love to see a "what-if" simulator built in, something that lets me model scenarios like paying off a credit card or skipping takeout for a month and shows the projected impact on my budget and savings timeline.
@magdenmahm80499 Love this idea, Mahmut! That's very much aligned with our vision. We already have an AI assistant that helps users understand their finances, and taking it a step further with "what-if" scenarios is something we'd love to explore. Thanks for the great suggestion! 🙌
Love the focus on insights over just logging expenses. One thing that would help me actually act on those AI insights would be a shared household mode so my partner and I could pool budgets and see combined spending patterns instead of each tracking separately.
@azizayerrm9y
That's a great suggestion, Aziz! We want Klutter to help people make better financial decisions, not just track expenses. A shared household mode with combined budgets and insights is a compelling direction, and we'll definitely be exploring it. Thanks for the feedback! 🙌
@Gitika falling back to Miscellaneous instead of guessing wrong is the right default, that's exactly what I was hoping to hear. the transaction split feature for mixed receipts is a nice touch too, that's the actual annoying case in practice
@omri_ben_shoham1
Exactly! 😊 We'd rather be safely "unsure" than confidently wrong. Really glad the transaction split approach resonates with you—that mixed receipt scenario was one of the key reasons we built it.
If you'd like to explore more, I'd be happy to give you 3 month of Klutter Premium. We'd love to hear your honest feedback on the AI insights and everything else we're building. 🙌
Tried it for a few days and the SMS transaction capture actually works, which surprised me since most apps botch that part. Budget breakdowns are pretty clear too.
@abdurrahmakeml
Thank you! We obsessed over getting SMS capture right, so hearing this is incredibly rewarding. 🙏