Dibba.ai

Paid

Track your money from banking SMS with Dibba.ai—private, simple, AI‑smart.

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#personal finance#expense tracking#income management#banking SMS analysis#Apple Pay#privacy-first#AI Voice Agent

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Saas

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About Dibba.ai

Dibba.ai is an AI-driven personal finance platform designed to help users track expenses, income, and transactions by analyzing banking SMS messages that users voluntarily forward. The tool supports automatic tracking from Apple Pay and SMS, and also allows importing bank statements as PDFs, entering transactions manually, and importing invoices. It provides categorized spending insights, savings suggestions, and personalized weekly email reports. A notable feature is the AI Voice Agent, which can answer questions about spending patterns, assist with trip planning, and offer investment advice. Dibba.ai emphasizes a privacy-first approach by not requiring direct bank account connections, instead relying on user-provided data sources. The platform is available worldwide and aims to reduce financial tracking complexity compared to traditional budgeting apps.

Key Features

AI-powered analysis of banking SMS for expense, income, and transaction insights

Automated expense tracking by parsing user‑submitted banking SMS

Income tracking via banking SMS message analysis

Transaction monitoring derived from bank‑related SMS content

Voluntary, user‑provided data submission—no direct bank connection required

Pros & Cons

Pros

Privacy-focused: no direct bank account connection needed, reducing security risks
AI Voice Agent provides conversational access to financial data and advice
Supports multiple data input methods: SMS, Apple Pay, bank statements, manual entry
Available worldwide, unlike some competitors limited to specific regions
Low complexity setup with auto-tracking features that minimize manual effort
Positive user ratings and testimonials indicate effective savings assistance

Cons

Free tier limits and pricing details are not publicly listed; contact required for pricing
Relies on users forwarding SMS messages, which may not be feasible for all banks or regions
AI Voice Agent capabilities and accuracy should be verified for complex financial queries
Manual entry and statement import may be time-consuming for users with many past transactions
Requires internet access and a smartphone to forward SMS or use Apple Pay features

Best For

Individuals receiving banking alerts: Automatically track day‑to‑day spending by forwarding your bank’s transaction SMS to Dibba.ai.Freelancers and gig workers: Monitor income by capturing incoming payment credits from banking SMS.Apple Pay users: Consolidate Apple Pay and banking SMS transactions for a more complete picture of activity.Privacy‑conscious users: Track finances without sharing bank logins by sending only the SMS data you choose.Fee and withdrawal trackers: Identify ATM withdrawals or fees mentioned in your banking SMS.Spending analyzers: Let the AI categorize expenses based on SMS descriptions to reveal where money goes.Refund‑aware shoppers: Track refunds, reversals, and other credits reflected in transaction SMS.Subscription watchers: Monitor recurring debits or charges that appear in banking SMS.Multi‑card users: Send SMS from multiple cards or accounts to compile a broader view of inflows and outflows.Hands‑free insight seekers: Ask the AI Voice Agent for personalized insights based on your SMS‑derived data.

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