Smart entry
Type or say it out loud. Paynther parses the amount, merchant and category in real time.
No account, everNo subscriptionsYour data, your iCloud
Designed for the way you actually spend
Six small moments,
made effortless.
Each one keeps you in the moment — Paynther does the bookkeeping in the background.
Receipt scan
Snap a receipt — we read the total, merchant, and date, and file it under the right category.
Apple Pay auto-log
Tap to pay; Paynther logs it via Apple Shortcuts. Your card data never leaves Apple.
Ask Paynther
Conversational insights. “How much did I spend on coffee this month?” — straight answer.
Budgets that breathe
Soft per-category limits with at-a-glance bars. Over-budget is obvious, never shaming.
Private by default
No account, no sign-up. Your data lives in your iCloud and syncs across your devices.
Add it in seconds
Type, say, or scan.
Type steak night 78 bucks, dictate it, or snap a receipt — Paynther reads the amount, the merchant, the date and the category in real time. You confirm, you move on.
Quick add
Tap, dictate, or paste — Paynther reads it instantly.
Stay on budget
Budgets that breathe.
Set a soft monthly limit per category and watch the bars fill — a clear vessel when you're on track, a calm red bloom when you've crossed the line. No shame, no surprises.
Budgets
🍔
Eating out
€214 of €300
🥑
Groceries
€96 of €250
Soft monthly limits. Calm bars. No shame.
Ask, and find out
Talk to Paynther.
“How much did I spend on coffee this month?” Ask in plain language and get a straight answer — Paynther reads only your own data, on your own device.
Ask Paynther
How much on eating out this month?
Plain-English answers from your own data.
Keep things tidy
One app, many lives.
Personal, business, that trip you took with friends — keep each one in its own list with its own categories, budgets and totals. Switch with a single tap; every figure recalculates instantly.
Lists
Personal
€6,450
🍔
Eating out
−€650
🥑
Groceries
−€100
💰
Salary
+€3,500
Personal, business, that trip with friends — switch in a tap.
Yours to take with you
Export everything.
A clean CSV of every transaction, with the matching receipt photos bundled in a folder alongside. Share it to your accountant, your spreadsheet, or tuck it away in iCloud Drive. Pick a date range or take the lot.
Exports
paynther-export.zip
May 2026CSV for your spreadsheet · receipts for your accountant.
How it works
Three steps, then you forget about it.
01
Install Paynther
Free on the App Store. Opens straight into your dashboard — no account, no setup screens.
02
Connect Apple Pay
One tap in Settings sets up the Shortcut. Every contactless payment is logged for you from then on.
03
Just spend
Type, dictate, or snap when you want. Paynther keeps the numbers and the insights up to date in the background.
Quietly private
Built to be
invisible by default.
No account
There’s nothing to sign up for. Open the app and you’re in.
Your data, your iCloud
Transactions sync through your private CloudKit zone. Apple holds the keys — we don’t.
On-device intelligence
Voice and receipt text are read on your phone. Only abstract prompts ever touch our backend.