Voice logging
Most people log a transaction in under 4 seconds. Faster than any tap.
Know where your money goes.
Before it’s gone.
Speak a purchase in seconds, see pace against your budget, and get plain-English answers when you’re stuck—without spreadsheets or bank logins.
- No spreadsheets
- No bank linking
- No complexity
- No more money headaches
Subscription via the stores. Vocca is a subscription-based app. Apple and Google Play process purchases, renewals, and receipts—you always see plan price and terms at checkout before you confirm. Referral codes may apply discounts when we offer them and the code is valid. How pricing works.
Built for people who hate spreadsheets but still take money seriously—without handing bank logins to an app.
Voice-first—talk, don’t type rows
No bank credentials required
Optional AI copilot—off when you want
How it works
Three steps to financial clarity
No learning curve. No setup headaches. Just download and start.
Download
Get Vocca from the App Store or Google Play. Free to download.
Speak
Say your expenses naturally. "Coffee, five dollars." Done in seconds.
Track
Watch your budget update in real time. See patterns before overspending.
Product
Inside the app
Real product screens—each caption is the outcome you get, not just the screen name.
Why Vocca
Finance that fits your life
Built around how you actually spend—not how apps wish you did.
Real-time budgets
Set targets, watch them update the moment you spend.
Private by default
Everything on-device. Cloud only when you choose it.
AI finance copilot
Ask anything—“why did I overspend in March?” or “how do I save $500 faster?” Vocca connects the dots using your totals and the messages you send.
Savings goals
Track progress in real time with visual milestones.
Why Vocca
Budgeting that actually sticks
The simplest way to know where your money goes.
Vocca
Best choice-
Log an expense <4 seconds, by voice
-
Bank login Never required
-
Setup time 30 seconds
-
Mobile apps iOS & Android
-
AI insights Built-in, optional
Spreadsheets
-
Log an expense 1-2 min, manual typing
-
Bank login Not required
-
Setup time Hours of setup
-
Mobile apps Desktop only
-
AI insights None
Other Apps
-
Log an expense 30-60 sec, manual
-
Bank login Usually required
-
Setup time 15-30 minutes
-
Mobile apps Yes
-
AI insights Rarely, if at all
By the numbers
Fast, flexible, and private
<4
seconds
Average time to log an expense
100
%
Private by default—your data stays yours
0
bank logins
Never asked for your credentials
Subscription
Simple, transparent pricing
Subscribe through the App Store or Google Play. They handle billing, renewals, and receipts.
$
4.99
/month
- Unlimited voice logging
- Real-time budget tracking
- AI finance copilot
- Savings goals & insights
- Optional cloud sync
- No bank linking required
Prices shown are approximate. Final price, billing period, and any trial are confirmed at checkout in the app. Full pricing details.
AI assistant
Voice logging and a finance copilot—built in
This is the only place we unpack voice + AI in detail—so you know exactly what you’re turning on.
You say
“Lunch, twelve dollars, Italian place downtown.”
Vocca
Creates the expense, suggests a category, and updates your budget pace—no spreadsheet cells, no bank feed.
What powers it
Optional AI features use Google Gemini (Google’s generative AI). The exact model name can change over time as we ship improvements; we do not pin a single model version on this page.
From the app, requests are sent to Google through a secure server-side proxy (a Supabase Edge Function) so access stays controlled and credentials stay off the device. Use of content is governed by Google’s Gemini API terms in effect when you use the feature.
What it can help with
- Voice expense capture: speak naturally (“lunch twelve fifty”) to log transactions faster.
- Category and amount suggestions: short text you enter may be sent to Gemini only to return a suggestion until you confirm.
- Finance copilot chat: ask for explanations, sanity checks, and ideas using your messages plus summary numbers from Vocca (for example totals, remaining budget, savings rate)—so answers match your situation.
Example questions
- “Am I on track to stay under my dining budget this month?”
- “What’s the difference between APR and APY in one sentence?”
- “If I move $200 from fun money to savings, what should I watch out for?”
- “Summarize my top three spending categories last month.”
What research shows
Why honest tracking matters
Findings from marketing, consumer psychology, and health research explain the gap between what we think we spend and what we do—and why friction kills good intentions.
“People underestimate spending by 40%”
Journal of Marketing ResearchMost people believe they spend less than they do—that blind spot lets overspending drift. Vocca surfaces real spending in seconds so you can correct course before it compounds.
“Simply tracking reduces spending 15%”
Journal of Consumer ResearchAwareness alone changes behavior. Vocca makes logging fast and natural so tracking actually happens, not just on day one.
“73% say money is their #1 stressor”
American Psychological Association (APA)Money anxiety is one of the most shared stressors there is. Vocca is built for daily clarity—without bank logins or spreadsheet guilt.
“88% abandon financial resolutions within 3 months”
British Journal of Health PsychologyMost tools add steps; good intentions fade by spring. Vocca is tuned for speed—especially voice—so the habit is easier to keep than to quit.
How does Vocca pricing work?
Vocca is subscription-based. You subscribe through the Apple App Store or Google Play; they bill you and handle renewals and receipts. Plan price, billing period, and any trial (if available in your region) are shown at checkout in the app and on the store listing before you pay. Referral codes can reduce what you pay when we run a referral program and your code is accepted at checkout. How pricing works.
Does Vocca link to my bank?
No. Vocca is designed so you are not asked to hand over bank logins to use the product. You log spending and income the way you choose—voice, quick entry, or manual—and Vocca builds insights from that.
Is my data safe? What about AI?
Core data can stay on your device; optional cloud sync uses encryption in transit. Optional AI features use Google Gemini and only send what that feature needs (for example your message plus summary numbers for the assistant). You can avoid AI by using manual flows where the app allows. Read Privacy Policy and the AI & privacy section on this page.
What can the AI assistant actually do?
It can help with budget math in plain English, explain terms (APR vs. APY), sanity-check trade-offs, and summarize categories using totals Vocca already knows—without pretending to be a human financial advisor. It won’t move money for you. See Voice & AI details above.
Can I try it before subscribing?
Trial availability depends on your region and current promotions. You’ll see if a trial is available when you reach checkout in the app—before any payment is processed.
What platforms does Vocca support?
Vocca is available on iOS (iPhone and iPad) and Android. Download from the App Store or Google Play.
Start saving for your dream today
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